The Pulse: Case Study
Thought Leaders of the Middle Market Capital Ecosystem
National Business Capital Secures $2.1MM Financing for Growing Auto Dealer
National Business Capital deployed $2.1 million across three rounds to help a Midwest auto dealer expand inventory, build an in-house service center, and increase margin through ownership.
The Challenge:
Thirdcoast Motors, a specialty auto dealer operating across four locations, had built strong demand through high-volume auction purchasing. By expanding inventory, the business consistently generated strong returns and increased sales velocity.
As demand grew, the business needed greater control over how vehicles were acquired, repaired, and sold. Traditional floorplan financing constrained its ability to scale effectively. Those limitations included restricted title ownership, limited control over vehicle selection, forced resale timelines, and reduced flexibility in capturing value across each transaction.
While inventory access was available, the structure limited how and when value could be realized across the business.
The Solution:
National Business Capital worked with Thirdcoast Motors to align capital with how the company’s cash flow operated.
Rather than using a single facility, capital was deployed across three strategic rounds, each building on the last. The first round provided $500,000 in Cash Flow Financing to expand inventory and increase purchasing flexibility. The second delivered $600,000 to build an in-house service center, allowing the business to handle repairs internally. The third added $1 million to scale auction purchasing and increase value capture across each vehicle.
This phased approach allowed each round of capital to support the next stage of growth and build on prior results.
The Impact:
The initial expansion of inventory drove a 13% increase in gross revenue. As service capabilities moved in-house, the business increased the value captured on each vehicle by controlling repairs and reconditioning.
With scaled purchasing and operational control in place, Thirdcoast now manages the full lifecycle of its inventory, from acquisition through resale, across all four locations.
What began as inventory expansion evolved into a model defined by control, efficiency, and stronger unit economics. National Business Capital structured financing around the realities of the business, helping turn access to capital into a system for compounding returns.
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At National Business Capital, we work with business leaders who are growing, expanding, acquiring and need capital that moves with them. Whether you’re planning an acquisition, taking on larger projects, upgrading infrastructure, or building out new revenue streams, we provide the clarity and capital to help you take the next step with confidence.
We’ve approved over $7.5 billion in financing, supporting companies through fast-paced growth, ownership transitions, and complex deal structures. As a direct lender that also works closely with capital providers across industries, we offer the best of both worlds: the speed and control of lending from our own balance sheet, plus the flexibility to tailor solutions when the situation calls for it. That means more options, more agility and one team guiding the entire process.
We specialize in deals from $250,000 to $15 million, working across industries where timing, execution, and advisory insight are critical. From initial conversation to funding, we bring real experience, transparency, and momentum.
We’re here to simplify complex decisions, move quickly when the opportunity is right, and support your business beyond the funding itself. Because capital should be a tool to help you grow, not something that slows you down.