If you're going to assert the average car dealership's $2M of annual net profit can't handle a $200k capital expense that can be amortized over a decade or more, you're gonna have to gimme a bit more than "maybe they're out of credit".

Obviously the dealer or his creditors don't think he can handle it. They know their business far better than you or I. It's doubtful they'd be foolish enough to pass up a sure thing.