SBS W is the Wholesale Servicing component of the SBS Financing Platform, which provides wholesale financing and dealer commercial loans for automotive and equipment finance through Software as a Service (SaaS), offering low cost of ownership with low setup fees, low fixed costs in a pay per use model.
With rapid deployment, evergreen, fully scalable and highly automated and connected cloud native solution procured for an initial 1 to 5, year commitment, with a monthly subscription model, is industry leading and showcases more than 40 years of market knowledge, more than 40 years of cloud hosted solutions, and the ecosystem centrality that SBS harnesses for their client base.
SBS Wholesale Servicing (SBS W) v7 is a next generation, cloud native wholesale finance platform built for financial institutions seeking to modernize and scale their dealer and commercial lending operations. Designed as an evergreen SaaS solution, SBS W delivers continuous innovation, automated workflows, and a low total cost of ownership through a flexible pay per use model.
With more than $500bn in assets under management, SBS W is trusted by industry leading organizations including major banks, OEMs, captives, and global brands SBS W is trusted by organizations that require reliability, configurability, and operational excellence.
The platform supports a wide range of asset classes, enabling lenders to finance cars, trucks, boats, cranes, and specialized equipment with ease.
With $87Billion transactions processed in 2025 and 6th largert BACS bureau, SBS W is engineered for multi territory deployment, supporting multi currency, multi lingual, and multi jurisdictional requirements. This global readiness allows lenders to configure tax rules, funding parameters, and compliance frameworks to meet local market needs while maintaining centralized oversight.
With more than 5.6 million units processed last year, SBS W has the scale and performance required for high volume wholesale finance operations.
Highlights
Cloud native wholesale finance platform with continuous innovation and low total cost of ownership.
Proven global scalability operating in 50 countries, supporting multi currency, multi lingual, and multi jurisdictional requirements.
SBS W accelerates time to market with configurable business rules and automated workflows that allow lenders to quickly introduce new products and adapt to market changes.
AWS Marketplace now accepts line of credit payments through the PNC Vendor Finance program. This program is available to select AWS customers in the US, excluding NV, NC, ND, TN, & VT.
Pricing is based on the duration and terms of your contract with the vendor. This entitles you to a specified quantity of use for the contract duration. If you choose not to renew or replace your contract before it ends, access to these entitlements will expire.
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This listing offers one pricing dimension, SBS Wholesale v7, billed by units under a SaaS contract. You pay based on the number of units you commit to, so cost scales with your volume rather than a fixed flat rate. There are no separate tiers or add-on options to compare. The platform runs as a cloud-hosted service covering floorplan finance operations across automotive and equipment dealer portfolios. Because a single unit-based dimension applies, your total depends on the unit quantity you select for your contract term.
Top-of-mind questions for buyers
What counts as one unit for billing purposes?
The dimension is billed by units under a SaaS contract, but the marketplace listing does not define what one unit maps to. Based on the platform's focus, units likely relate to floorplan finance volume across dealer portfolios. Contact the vendor to confirm exactly how units are counted for your operation.
Does my cost change if I add more dealer locations or asset types?
The platform gives lenders one operational view across every dealer location and supports automotive, equipment, and mixed-asset portfolios in a single environment. Since pricing is unit-based, your total scales with the unit quantity you commit to, not directly with the number of locations or asset segments you manage.
What operational capabilities are covered under this single unit-based dimension?
The unit-based SaaS contract covers cloud-hosted floorplan finance operations. This includes dealer funding transaction processing, credit line and account lifecycle management, portfolio tracking, and audit-ready records with regulatory reporting. A self-service dealer portal and configurable workflow and business rule engines are also part of the platform.
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Support
Vendor support
Global 24/7 in house support team, multi lingual. Full training collateral provided and continuous refresher training available without additional cost. Full scope and discovery of the customers current practices are reviewed to ensure optimal configuration of the system. Direct access to an account manager and full visibility of requests and in progress tasks via our ticketing system. For general support queries please contact hello@sbs-software.com.
AWS infrastructure support
AWS Support is a one-on-one, fast-response support channel that is staffed 24x7x365 with experienced and technical support engineers. The service helps customers of all sizes and technical abilities to successfully utilize the products and features provided by Amazon Web Services.
Physical audit can be expensive, time-consuming, open to fraud and often dependent on human interpretation, but the experience of physical auditors is key to identifying nuances that technology cannot. By taking a hybrid auditing approach with SFP Digital Audit, lenders can leverage the experience of their physical auditors while filling the gap with a self-service auditing tool. The solution provides safe, secure, multiple digital audit types with time savings of over 40% and cost savings of up to 50% compared with traditional audit methodologies.
SBS Digital Audit enables floorplan and wholesale asset finance lenders to transform their inventory and risk management processes by moving to self-auditing thus reducing, or even removing the expense of physical automotive and equipment asset auditing. Operationally, this can commonly realize cost savings of up to 50% alongside real-time dynamic risk management leveraging AI, machine learning, and API integration.
SUMMIT is SBSs UK proven core servicing platform for mortgages and savings, delivering end-to-end account administration from setup and day to day servicing through arrears management, interest and rate changes, redemptions, maturities, customer communications, and statutory reporting. It is stable, secure, and scalable, integrating natively with UK payment schemes, credit reference agencies, general ledger platforms, and address validation services. SUMMIT supports institutions from small building societies to Tier 1 banks, with a strong track record in automation, regulatory compliance (MLAR, ISA, PSD, BSC etcetera), and multi-branch/multi-organisation operations.
SBS Regulatory Reporting is the trusted regulatory reporting solution for industry leaders and growing institutions in Europe. This advanced SaaS platform delivers precision, scalability, and sustainable compliance with regulatory requirements, reducing complexity and optimizing costs. It empowers institutions to navigate evolving regulatory frameworks like COREP CRR3, DORA, and Pillar 3 Data Hub with greater efficiency.
Benefit from seamless integration through an intelligent data layer, advanced business intelligence to identify patterns, trends, and risks, and real-time dashboards for enhanced compliance visibility. Transform regulatory reporting into a strategic driver for your business.
SBS offers a solution in a widely under serviced finance space The people - willing to listen and brainstorming to arrive at solutions. They do a great job of assisting in networking with their partner providers to find solutions for the business that touch areas outside of their core area of expertise.
What do you dislike about the product?
Lack of multiple lending solutions outside of floorplan Dealer customer interface experience
What problems is the product solving and how is that benefiting you?
Florine and tracking inventory
Jason B.
Next Gen Asset Finance Software
Reviewed on Jul 17, 2025
Review provided by G2
What do you like best about the product?
SBS’ platform is a robust solution for those that need to power their asset finance programs. Its infinitely configureable to your needs.
What do you dislike about the product?
The front end user interface can sometimes be a bit clunky, but is still able to be navigated and used.
What problems is the product solving and how is that benefiting you?
SBS is the calculation engine powering our wholesale finance programs.
Automotive
User friendly platform with good support Channels
Reviewed on Jun 18, 2025
Review provided by G2
What do you like best about the product?
Ability to configure funding plans and dealer terms
What do you dislike about the product?
Bugs in thé system that require development work
What problems is the product solving and how is that benefiting you?
Ensablés us to offer unit stocking product
Nick H.
SFPW
Reviewed on Jun 18, 2025
Review provided by G2
What do you like best about the product?
Thé ability to Apple automated feeds. Faster Payments is a big USP
What do you dislike about the product?
Lack of reporting available. Time taken to respond to requests
What problems is the product solving and how is that benefiting you?
Upgrade
Automotive
Good system but needs more work to make it moré user friendly
Reviewed on Jun 18, 2025
Review provided by G2
What do you like best about the product?
Interface is more updated and faster to respond
What do you dislike about the product?
Data is not easily extractible, and system is not flexible enough to set up différent préférences for end usérs. Eg some custmers want reports emailed to them some are happy to download
What problems is the product solving and how is that benefiting you?
Upgrading thé branche se are on. Moré work needs to be done on extracting data