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    Anytime Capital
    Boat & Auto Dealerships

    Take the deposit on the floor, not after they've gone home

    A buyer who walks out to 'think about it' is a buyer you've probably lost. Send a deposit link before they leave the lot, collect the title and insurance paperwork from their phone, and take the balance on a rail that can actually handle the number.

    Get startedTalk to our team
    • Deposits taken on the spot
    • High-value payments
    • Title & insurance docs by link
    Deal #4417 · 2024 Sport Cruiser

    $5,000.00

    Deposit link · Sent to buyer's phone

    • DepositPaid
    • Title & registrationIn review
    • Balance due on delivery$78,500.00
    Deposit linksWire & ACHFraud screeningOut-of-state buyers

    The problem

    Where deals leak on a dealership floor

    High ticket, low volume, and a lot of paperwork between a handshake and a delivery. Every delay is a chance for the buyer to reconsider.

    No easy way to take a deposit

    By the time an invoice is drafted and emailed, the buyer is home and the urgency is gone.

    Card limits on big tickets

    A five-figure balance runs into card limits and processor caps, and the fallback is a slow wire.

    Title and license paperwork

    Registration, insurance and identification arrive as blurry photos in a text thread, if they arrive at all.

    High-value fraud exposure

    One fraudulent purchase on a unit at this price point costs more than a year of processing fees.

    Out-of-state and overseas buyers

    Remote buyers want to commit today and can't hand you a check, and international wires take days.

    Cash flow against floor plan

    Money tied up between deposit and delivery is money not servicing the units on your lot.

    What you'd use

    Close it while they're still standing there

    Deposits, documents and the final balance handled on one account, on the rails a high-ticket sale actually needs.

    Checkout links

    Text a down-payment link from the floor — screened for fraud and with the buyer's ID collected on the same link.

    Onboarding & verification

    Collect the title, registration, insurance and ID with one link, straight from the buyer's phone.

    Payments

    Take the balance by wire, ACH, card or stablecoin — whichever the size of the deal calls for.

    Fraud protection

    Every high-value payment screened before it settles, with a review queue for the ones worth a second look.

    Business checking

    A commercial account with no monthly fees and sub-accounts for separating money.

    Business debit cards

    Issue cards to your team with per-user limits and real-time visibility.

    Identity & verification

    Know exactly who you are dealing with

    The same identity checks that clear customers onto our own platform, opened up for yours. Send a link, and the customer proves who they are from their phone — no app, no account, no reader on your counter.

    A stranger is putting five figures down on a unit and handing you a card you have never seen. Check the card is genuine while they are still standing in front of you, and match the buyer's face to the licence you are about to write the title against.

    • Face match with liveness

      A selfie checked against the photo ID, with liveness in the flow — so it is the actual person, not a photo of one.

    • Cards checked in real time

      The customer shows the card they are paying with and it is verified on the spot, before you hand anything over.

    • ID and document capture

      Licenses, permits, insurance certificates and tax forms collected from the customer's phone camera, with expiry tracked.

    • Device intelligence

      The device behind the payment is recognised — including the ones that have failed you before, through cleared cookies and private browsing.

    • Your branding, your coloursRolling out

      The verification step carries your name and palette, so it reads as part of your business rather than a hand-off to someone else's.

    • 3-D Secure step-upRolling out

      Push a high-value card payment through issuer authentication and move the chargeback liability off your books.

    Verification session

    Live
    • Face match & livenessWaiting
    • Card checked · ending 4242Waiting
    Checking who this actually is…

    Getting started

    Up and running in an afternoon

    No implementation project and no migration weekend. Open the account, connect what you already do, and start moving money.

    1. 1

      Open a business account

      Commercial checking in the dealership's name, with sub-accounts for deposits held.

    2. 2

      Make a deposit link

      One standing link for deposits, or a one-time link tied to a specific unit and buyer.

    3. 3

      Send the document request

      Title, registration, insurance and ID collected and verified before delivery day.

    4. 4

      Take the balance

      Wire, ACH, card or stablecoin — settled into the same account the deposit went to.

    Businesses on the platform
    1,000+

    Businesses on the platform

    US states supported
    43+

    US states supported

    US-based support
    24/7

    US-based support

    Monthly platform fees
    $0

    Monthly platform fees

    Frequently Asked Questions

    Can I take a deposit without the buyer having an account?

    Yes. Send a checkout link by text and they pay from their phone in under a minute. No account, no app and no sign-up on their side.

    What about payments too large for a card?

    Large balances typically move by wire or ACH, and both settle into the same account. Stablecoin settlement is also available when a buyer is overseas and a wire would take days.

    How do I collect the title and insurance paperwork?

    Send one verification request listing what you need. The buyer photographs each document with their phone, and it arrives verified and attached to the deal record rather than buried in a text thread.

    How do you handle fraud on high-value sales?

    Every payment is screened on device, velocity and identity signals before it settles. High-value transactions from unfamiliar devices are held in a review queue so a person decides, rather than the money simply leaving.

    Can I sell to out-of-state or international buyers?

    Yes. Remote buyers can pay a deposit by link, submit their documents from their phone and settle the balance by wire, ACH or stablecoin without ever visiting the lot.

    Stop losing deals to 'let me think about it'

    Open a business account and send a deposit link from the floor today — with title paperwork and the final balance handled in the same place.

    Get startedBrowse all solutions
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