Floorplanning a car is still ownership, the only thing is that you're doing short term financing at very low interest rates. But once that financing is up, you still have to account for the $$ of the car. IF you don't sell it, you'll likely take it back to auction and sell it there (usually for a loss), so inventory risk is still present. Franchise dealers have floorplanning for sure, independents not so much. Plus, for USED cars, you usually don't floorplan those (from what I remember). There used to be a saying, if you want to find a Franchsie Dealer that was on it's death bed, look for the one that is floorplanning it's used inventory.