Whole goods contracting & floor plan · Ag equipment dealers
Keep every unit contracted, titled, and curtailed.
Every sold unit has to clear its curtailment before the next interest charge and convert MSO to title. The lender's flooring audit can land any day.
The reality
Floor plan is an interest-clock problem.
Every unit on the lot is financed under a floor plan line — Deere Financial, CNH Capital, Wells Fargo — and each one accrues interest and hits a curtailment schedule. When a unit sells, the curtailment has to be paid off before the free-floor period lapses, the MSO has to be converted and the title filed, and the contract package has to be complete before the lender's flooring audit shows up.
The operator tracks every unit against its floor plan terms, processes curtailments the moment a unit sells, manages MSO-to-title conversion, and keeps the contract file audit-ready. Units stay contracted, titled, and current without interest bleeding past the free-floor window.
How the operator runs whole goods contracting & floor plan
Unit WG-7740 · Floor plan
curtailing- Sale detected — combine S780
- Payoff computed before free-floor lapse
- Curtailment submitted to lender
01Process the curtailment
Detects the sale, pays off the floor plan curtailment before the free-floor lapses, and clears the unit from the line.
Title TTL-3318 · Unit WG-7740
filing- MSO assigned to buyer
- Lien and tax computed
- Title package filed at DMV
02Convert MSO to title
Builds the title package, converts the MSO at the DMV, and files the paperwork with the lien noted.
Audit AUD-0451 · Flooring
reconciling- Contract package complete
- Lot matched to flooring statement
- Aged units flagged for curtailment
03Keep the file audit-ready
Completes the contract package and reconciles the lot against the flooring statement ahead of the lender audit.
The outcome
55% of whole goods admin off the team
All units contracted, titled, and floor plan current.
- Curtailments processed before interest bleeds past the free-floor window
- MSOs convert to titles without paperwork sitting in a drawer
- The lot ties to the flooring statement when the audit lands
Common questions
Whole goods contracting & floor plan
- What does the Whole goods contracting & floor plan operator do?
- The operator tracks every unit against its floor plan terms, processes curtailments the moment a unit sells, manages MSO-to-title conversion, and keeps the contract file audit-ready. Units stay contracted, titled, and current without interest bleeding past the free-floor window.
- What impact does the Whole goods contracting & floor plan operator have?
- 55% of whole goods admin off the team. All units contracted, titled, and floor plan current.
- How does the Whole goods contracting & floor plan operator work?
- Detects the sale, pays off the floor plan curtailment before the free-floor lapses, and clears the unit from the line. Builds the title package, converts the MSO at the DMV, and files the paperwork with the lien noted. Completes the contract package and reconciles the lot against the flooring statement ahead of the lender audit.
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