As of July 31, 2025, the Company had floorplan and working capital lines of credit totaling $1.5 billion, which is primarily comprised of three floorplan lines of credit: (i) $875.0 million credit facility with CNH Industrial N.V. (“CNH”), (ii) $390.0 million floorplan line of credit and $110.0 million working capital line of credit under its credit agreement with a syndicate of banks (“Bank Syndicate Agreement”), and (iii) $80.0 million credit facility with DLL Finance LLC (“DLL Finance”).

The Company's outstanding balances of floorplan lines of credit as of July 31, 2025 and January 31, 2025, consisted of the following:


	July 31, 2025		January 31, 2025
	(in thousands)
CNH	$	613,161	$	520,927
Bank Syndicate Agreement Floorplan Loan	124,489		127,154
DLL Finance	39,416		37,859
Other outstanding balances with manufacturers and non-manufacturers	75,159		69,758
	$	852,225	$	755,698

As of July 31, 2025, the interest-bearing floorplan payables carried a variable interest rate with a range of 3.08% to 7.50% compared to a range of 4.06% to 9.15% as of January 31, 2025. The Company had non-interest-bearing floorplan payables of $394.8 million and $302.4 million, as of July 31, 2025 and January 31, 2025, respectively.