Sell Your Entire BHPH Portfolio
Bulk acquisitions for dealers planning a full exit or large portfolio liquidation
We buy existing BHPH receivables from dealerships and do not offer consumer loans or retail financing.
Secure Portfolio Upload
Please include your full data tape (Excel/CSV). All data is kept 100% confidential between you and CAR Financial Services.
Uploading your portfolio does not commit you to a sale. Use our template if it helps, or upload the file you already have. Questions? Contact Robert directly.
BUYER TYPE
Direct Institutional
BROKER FEE
None
MINIMUM
No Minimum
DEAL SIZE
Large Portfolios
CLOSING TIME
10-21 Days
GEOGRAPHY
Nationwide
Short answer
A BHPH dealer can sell an entire portfolio directly to CAR Financial Services.
This page is for dealers considering a full BHPH portfolio sale, bulk receivables transaction, retirement exit, or balance-sheet cleanup. Robert Hicks reviews the portfolio directly with CAR Financial Services rather than sending the deal to a broker network.
Best fit
Dealers planning a full exit, a large cleanup transaction, or a shift away from holding receivables.
What gets reviewed
Account tape, balances, payment history, collateral, title status, contract terms, and documentation quality.
Why direct matters
A direct buyer can discuss valuation and diligence without adding broker commissions or extra handoffs.
When you're ready to exit, you need a buyer with the capital to close. Not a broker who will shop your deal for months. Not a financing source that may step back late in the process. You need an institutional buyer who can write the check.
CAR Financial Services has purchased over $100 million in BHPH receivables. We review bulk portfolio acquisitions for dealers who are retiring, transitioning to a different business model, or simply ready to clean up the balance sheet.
Why Dealers Sell Their Entire BHPH Portfolio
Every dealer has their reasons. After 13 years in this business, Robert Hicks has seen them all. Here are the most common:
Retirement or Exit
You've built the business, now it's time to cash out and move on to the next chapter.
Business Model Transition
Moving from BHPH to retail, or closing the finance arm to focus on sales.
Tax Planning & Year-End Liquidation
Converting receivables to cash before year-end for strategic tax purposes.
Paying Off Floor Plan Debt
Eliminate debt obligations and free up borrowing capacity for future growth.
Market Timing
Taking advantage of favorable conditions before potential market shifts.
Our Bulk Portfolio Acquisition Process
Large transactions require a structured process. Here's how we handle bulk BHPH portfolio purchases:
1. Data Mapping & Analysis
Submit your portfolio data. We map it to our valuation model and analyze performance metrics, seasoning, collateral, and risk factors.
2. Preliminary Valuation
Within 48-72 hours, we usually provide preliminary pricing based on the data you send.
3. Due Diligence
If you accept, we conduct file-level review—verifying contracts, titles, and payment histories. We can visit your dealership or work remotely.
4. Documentation & Closing
We prepare the purchase agreement, handle title transfers, and coordinate closing. Robert or a local rep can close in person at your location.
5. Payment at Closing
Proceeds are wired upon closing. For large transactions, we can structure milestone payments if preferred.
Why Choose CAR Financial for Your Exit
30+ Years in Business
CAR Financial has survived multiple market cycles. We're not a startup that might disappear mid-transaction.
$100M+ in Acquisitions
We have the track record and capital to close large deals. This isn't our first rodeo.
Robert Hicks: 13 Years Experience
You deal directly with a senior buyer who knows BHPH inside and out, not a junior analyst or call center.
Face-to-Face Service
For bulk transactions, we come to you. Shake hands, review files together, close in person.
BHPH Portfolio Criteria
We evaluate every portfolio individually. Here's a general overview of what we consider:
- Size Range: Selected accounts, partial pools, and larger full-portfolio transactions
- Performance: Performing, sub-performing, and mixed portfolios considered
- Geography: Nationwide review with no regional restrictions
- Seasoning: Fresh originations to fully seasoned paper
- Collateral: Standard BHPH vehicle types (we account for age/mileage in pricing)
Not sure if your portfolio qualifies? Upload your data for a free, no-obligation assessment.
Frequently Asked Questions
Do you buy portfolios with delinquent or charged-off accounts?
Yes. We evaluate the entire portfolio and price accordingly. Delinquent accounts are factored into the valuation but do not automatically disqualify a portfolio. Accurate data helps us price mixed-performance portfolios fairly.
What documents do I need for a portfolio valuation?
For the initial valuation, we need your portfolio data export including balances, payment history, and vehicle information. No customer PII is required upfront. After you accept an offer, we'll need contracts, titles, payment histories, and customer information for due diligence.
Can you handle portfolios over $5 million?
Yes. CAR Financial Services reviews larger BHPH portfolio transactions and has purchased over $100 million in receivables. Robert Hicks can discuss fit, timing, and documentation directly before you share detailed files.
Ready to Sell Your BHPH Portfolio?
Get a bulk portfolio valuation in 48-72 hours. Direct review, no broker fees, professional closing.
Get Your Portfolio ValuationOr call Robert directly: 678-317-4359