The Industry’s Only Real-Time Automotive Lien & Tradeline Platform

LienHub is transforming inventory risk management. We are the only automotive data provider capable of reporting individual floorplan vehicle tradelines directly to Dun & Bradstreet, VINData, and CarFax. Through our patent-pending software and exclusive data contracts, we provide an unprecedented layer of transparency that virtually eliminates double funding and double flooring.

Patents Pending

Reported Live at Funding — Not Weeks Later

Traditional lien registration

3–8 weeks

to surface on a vehicle history report

LienHub live reporting

24–48 hours

reported at the exact time of funding

Real-Time Lien Reporting

Traditional lien recordings take 3 to 8 weeks to surface. LienHub allows banks and credit unions to report liens live at the exact time of funding, publishing updates within 24 to 48 hours.

Unrivaled Risk Mitigation

Prevent floorplan fraud before it happens with automated, line-item vehicle tracking and direct reporting to Dun & Bradstreet, VINData, and CarFax.

Exclusive Network

Tap into proprietary, patent-pending software and exclusive data partnerships that no other provider in the automotive space can offer.

How the LienHub Network Works

From funding to resolution, the lien is visible where every bank already looks — inside the workflow they already run.

Funded & Indexed (24–48 Hours)

The moment a unit is financed on our network, a secure lien code is published directly to the vehicle history report every bank pulls — weeks before the physical title reaches public record.

Encumbrance Flagged at Origination

An outside bank or floorplan provider pulls the report during pre-funding underwriting and immediately encounters the secure lien code.

Bank-Only Verification & Resolution

The funding lender enters the code into LienHub. Access is strictly limited to vetted lender accounts — no public, competitor, or anonymous lookups allowed.

First of its kind

Built to Close the Double-Flooring Gap

Nobody has ever built this. That is exactly why it changes everything for floorplan risk management.

For the first time in auto finance, every participating floorplan portfolio speaks to the consumer vehicle reports every bank pulls. LienHub creates a single synchronized lien network that closes the double-flooring gap the industry has historically written off as a cost of doing business. For a fully integrated lender, exposure to double-flooring on participating inventory is effectively zero.

Institutional Collateral Defense

Automated UCC-1 Priority

Automated VIN-level UCC-1 filings establish your institution as the first secured party on that exact asset the day it is floored. If a dealer attempts to re-fund the same vehicle, the filing establishes indisputable public notice and first-position perfection, giving your legal team the superior claim to the collateral or payout.

Real-Time Interception

The network cross-references every active VIN across all participating floorplan feeds. If a dealer attempts to board a VIN already financed on the platform, the second funding attempt is flagged and blocked before money moves.

Public Notice & Liability Shift

Each unit is reported as a discrete credit line to Dun & Bradstreet alongside its vehicle history report marker. An outside lender who funds against active public indicators carries the liability shift — protecting your balance sheet.

When loan origination requires LienHub clearance before funds release, lenders achieve structural insulation no traditional floorplan model can match. Lien intelligence that moves at the speed of funding, not the speed of paperwork.