The full story
We built the platform that was always missing.
Thirty years of point solutions couldn't solve floorplan lending's core visibility problem, because assembling tools doesn't create intelligence. ANVL was built by practitioners who ran the audits, managed the credit committees, and operated the systems we eventually replaced.
$1T+
U.S. floorplan market
30–60
Days in the average audit cycle
5
Co-founders with direct market experience
0
Days of ANVL verification lag
The problem
A trillion-dollar market running on 30-day visibility.
Floorplan lending finances the inventory on dealer lots across the country, a market exceeding one trillion dollars in the United States alone. It is one of the most operationally intensive forms of asset-backed lending, and one of the least technologically modernized.
The standard operating model relies on periodic lot audits: a field representative visiting a dealer location every 30 to 60 days to verify that financed vehicles are physically present. In between those visits, lenders are operating blind. Dealers can sell vehicles out of trust, misrepresent inventory, or experience genuine disruptions, and the lender has no signal until the next scheduled audit.
ANVL was built to close that window. Not with incremental improvements to the audit process, but with a fundamentally different architecture: continuous BLE-based presence verification, an AI engine that detects anomalies in real time, and a structured exception workflow that gets the right information to the right people before a problem becomes a loss.
"The biggest risk in floorplan lending isn't what you can see. It's the 30 days you can't."
The principle behind ANVL
What continuous verification changes
- →OOT exposure detected in hours, not months
- →Evidence generated automatically, not assembled after the fact
- →Dealer confidence scored continuously, not assessed once
- →Audit cycle cost reduced without sacrificing oversight
Why ANVL is different
The industry stitched together point solutions for thirty years. We built the platform that was always missing.
Every lender in this market has assembled the same fragile stack: a CRM from one vendor, a loan management system from another, an audit product bolted on top, and a spreadsheet holding it all together. The result is data that is always stale, risk that is always underestimated, and operations that scale through headcount instead of intelligence.
ANVL is architected differently. Every module (origination, LMS, collateral intelligence, risk, collections, accounting) writes to a single unified data layer. The collateral signal informs the risk model. The risk model drives the exception workflow. The exception workflow feeds the credit decision. The data compounds. That compounding effect is impossible with siloed tools. With ANVL, it is the foundation.
Lenders who move to ANVL do not just replace one tool. They consolidate an entire vendor ecosystem into a single system of record: fewer contracts, fewer reconciliations, fewer integration failures, and a data asset that becomes more valuable the longer the platform runs.
Nobody delivered on this promise before because it is genuinely hard. Most fintech founders are not floorplan lenders. The ANVL team is. They have run the audits, managed the credit committees, structured the facilities, and operated the systems this platform replaces. That is not a marketing claim. It is why the product is designed the way it is.
"We didn't build ANVL to compete with the tools lenders already use. We built it to make them unnecessary."
The conviction behind ANVL
What platform consolidation actually means
- →One system of record replaces 5–8 vendor relationships
- →Data from origination informs risk decisions in year three
- →Collateral signals, credit history, and exception patterns in one model
- →No reconciliation lag, no integration failures, no blind spots between modules
- →Every new dataset makes every existing insight more accurate
Built by floorplanners, for floorplanners
The ANVL founding team has run credit committees, managed audit operations, and structured floorplan facilities at institutional scale. The platform reflects that experience in every workflow, every data model, and every product decision.
How we work
Principles, not platitudes.
Four things that shape every product decision, integration choice, and customer conversation.
Evidence over assumption
Every risk signal ANVL surfaces is grounded in continuous physical verification, not dealer self-reporting, not batch uploads, not manual reconciliation.
Built for regulated environments
Floorplan lending is a regulated activity. ANVL is designed with institutional compliance requirements, data isolation, and audit-grade evidence from the ground up.
Intelligence that acts, not alerts
An alert without context is noise. ANVL structures every exception with evidence, history, and priority so teams can resolve, not just acknowledge.
Built by practitioners
The ANVL team comes from floorplan finance, capital markets, audit operations, and lending infrastructure, not from adjacent industries guessing at the problem.
The team
Five co-founders. One market. Decades of combined experience.
ANVL was founded by operators who lived the problem: from capital markets and structured finance, from the floorplan lender operations desk, and from the technology infrastructure that makes it work at scale.