Kinetic Advantage, an independent automotive floorplan financing company headquartered in Carmel, announced that it has secured a $225 million credit facility with MUFG to support the continued growth of its independent dealer floorplan business.
The facility closed Jan. 9, 2026, following Kinetic Advantage’s second securitization completed in late 2025. The transaction is backed by loans to independent auto dealers.
The credit facility was designed specifically to address the financing needs of independent dealerships and provides Kinetic Advantage with additional capital capacity to support dealer growth initiatives in 2026 and beyond.
“We are very pleased to establish a relationship with MUFG,” said Marty McFarland, CEO of Kinetic Advantage. “MUFG’s deep experience in the floorplan business is evident in the structure of this facility, which significantly expands our ability to support independent dealers and execute on our growth strategy.”
“This transaction meaningfully increases our capacity to support dealer growth while strengthening the foundation for continued expansion,” said Adam Galema, senior vice president of finance at Kinetic Advantage.
The facility complements Kinetic Advantage’s recently completed securitization and strategic investment from Carlyle, along with continued sponsorship from Altamont Capital Partners, positioning the company for continued expansion in the independent dealer floorplan market.
Founded in 2020 by former leaders of Dealer Services Corporation, NextGear Capital and Automotive Finance Corporation, Kinetic Advantage partnered with Altamont Capital Partners to launch an independent floorplan company focused on providing inventory financing solutions to independent dealers nationwide.
TCG Capital Markets, L.L.C. served as structuring agent for the transaction.
