SBS, the global financial technology company whose wholesale finance platform powers operations for OEM captives including Mercedes-Benz, Nissan, Toyota and Volvo, has appointed a U.S. leadership team as floor plan lenders search for a more efficient way to run their operations.

To lead its U.S. expansion, SBS has appointed Ron Spratt as senior vice president, tasked with growing SBS’ presence among U.S. floor plan lenders.

Spratt is leading an established U.S. team of executives, with recent additions including Leigh Revis, who brings 15 years of experience in automotive finance and a background at DataScan, and Zak Gordon, formerly the regional director at NextGear Capital, as they help U.S. floor plan lenders replace their legacy technology systems.

The team’s expansion comes as SBS’ U.S. client base is growing. Among its recent additions is Dealer Financial, a floor plan lender serving independent car dealerships across South Carolina, North Carolina and Georgia, which selected SBS to modernize its wholesale finance operations.

The SBS wholesale finance platform connects dealer onboarding, inventory management and floor plan billing in one place, replacing the disconnected tools lenders rely on to manage these processes separately.

Its digital audit solution takes that further, replacing paper-based inventory inspections with real-time, technology-driven audits that reduce cost and improve accuracy across dealership networks of any size. Whether a lender is managing thousands of dealer relationships for a global auto manufacturer or serving independent dealers across a few states, the platform scales without requiring separate implementations.

Because the platform consolidates the full wholesale lifecycle into a single data layer, it also creates the data foundation AI-driven applications need to automate decisions, surface portfolio risk earlier and reduce manual overhead.

“Wholesale finance lenders are still running on legacy technology systems that the rest of the financial services industry moved away from years ago,” Spratt said. “Most are still working with data across systems that do not talk to each other, managing audits manually, and all of these siloed systems mean that AI cannot be effective. The lenders that modernize now will be the ones who can use AI as a competitive advantage rather than scrambling to catch up.”

In another recent move, SBS announced the launch of SBS AI Foundation, which is being built into all SBS products, including those for wholesale finance lenders.

The new functionality will enable faster innovation and growth, without compromising on risk management or compliance capabilities.

“The U.S. is one of the most strategically important markets in wholesale finance, and bringing on this new team to lead our expansion is the first step in that direction,” said Adam Tait, head of specialized finance at SBS.

“I have full confidence that this team will help wholesale lenders overcome their biggest technology hurdles today to drive efficiency while also preparing them for AI-driven growth in the years to come.”

More information about SBS’s wholesale finance platform is available at sbs-software.com.