Actually, either inheritence or schemas might be a nice way to handle this. However, a pure relational model would be best if you're using mysql, which has neither. Cross db joins and such are never very efficient, especially for large amounts of data, so that a "summary" page might be mighty slow if it was spread across multiple databases. Same holds true, to a lesser extent, for using schemas (like postgresql, oracle, and a few other dbs support)
10,000 records in a database is childs play. Most any database can handle 10,000,000 rows with no real problem, as long as it's indexed right and your queries are properly tuned / written.
What I'd do is create a dealer table, and then use that to partition out the other data.