What is Signal Finance?

Signal Finance is a specialized financing solution designed specifically for vehicle exporters that provides up to 90% of US wholesale value on vehicles being exported. It allows dealers to access capital before vehicles are sold, eliminating cash flow constraints.

How does Signal's Export Finance program work?

After getting approved for Signal Export Finance, you simply add vehicles to the Signal Export platform, upload required documentation (bill of sale, vehicle registration, Carfax), request financing, and receive funds. Loans have a 60-day term with the possibility of extension.

What are the fees for Signal Finance?

Signal Finance has a transparent fee structure with only two charges: 1) A one-time loan origination fee based on the loan amount (ranging from $150 to $375), and 2) Interest. There are no hidden fees, curtailments, or physical audits.

What vehicles are eligible for financing?

Eligible vehicles must be 2016 or newer models, have less than 100,000 km on the odometer, and have a Carfax report showing less than $5,000 in damage. Vehicles must also have proper insurance coverage and be imported through a Signal-preferred Registered Importer.

How much financing can I receive per vehicle?

Signal Finance provides up to 90% of the vehicle's US wholesale value, as determined by the Signal Market Guide.

Can loan terms be extended beyond 60 days?

Yes, loans can be extended beyond the standard 60-day term, though an extension fee applies. Extensions cannot exceed a total term of 90 days.

Is Signal Finance available to all exporters?

Signal Finance is primarily designed for Canadian dealers exporting vehicles to the US market. Dealers must meet credit requirements and use the Signal Export platform.

What makes Signal Finance different from traditional financing options?

Signal Finance eliminates many pain points of traditional financing: it offers USD-denominated loans to eliminate foreign exchange risk, has no hidden fees, allows for quick credit limit increases, and integrates directly with the Signal Export platform for seamless management.

Do I need to wait for my vehicle to arrive at a specific location before financing?

Financing is available as soon as the vehicle arrives at the RI (Registered Importer) facility. Once approved, you can immediately access capital to reinvest in new inventory.

How do I apply for Signal Export Finance?

To get started, email info@signal.vin to begin the application process. You'll need to submit financing application documentation and complete a credit review process to receive your approved credit limit.

Flexible Financing for Export Vehicles | Fast, Scalable Loans

Unlock capital quickly and easily

We’ll finance your vehicles the minute they cross the border and enter the US. Our flexible capital scales with your business, offering credit limits from $500,000 and financing up to 90% of wholesale value.

No surprises, fees or otherwise

Only pay interest and a one-time origination fee based on loan amount. No curtailments, no physical audits, no red tape—just simple, straightforward lending.

Eliminate foreign exchange risk

USD-denominated loans provide a natural hedge against FX fluctuations. All loans have a 60-day term with extension options up to 90 days when needed. Plus, lock in your foreign exchange rate for every single vehicle.

"The combination of Signal's tools and substantial finance gave our business the backbone to focus on volume and rotation, while significantly increasing our exposure to the US market."

Perry Kantzas

Dealer Principal at Watford Ford

"What sets Signal apart is their full-service approach. From insurance to financing to remarketing through their waterfall system - they handle it all. It's like having an export department at a fraction of the cost."

Curtis Vickers

President at Southlake Ford Lincoln

"Signal isn't just a platform - they're a true business partner. Their team guided us through our first load and now we're exporting regularly. The predictable net proceeds and multiple sales channels ensure we maximize every opportunity."

Ralph Kheir

Used Car Director at HGreg