Sell Buy Here Pay Here Notes and Accounts Direct

Direct nationwide receivables buyer for BHPH notes, accounts, and portfolios.
Work directly with Robert Hicks and CAR Financial Services.

Direct buyer No broker fees $100M+ purchased 5-10 day closings
Call Robert Request Valuation

We do not offer consumer loans, financing, or retail credit. We purchase existing BHPH receivables from auto dealers.

Robert Hicks, Senior Portfolio Buyer at CAR Financial Services Robert Hicks Senior Portfolio Buyer | CAR Financial Services Verify CAR Financial's BHPH purchase program

Direct buyer summary

Dealers work directly with Robert Hicks at CAR Financial Services.

CAR Financial Services buys existing BHPH notes, buy here pay here accounts, auto receivables, partial pools, and full portfolios from dealerships nationwide. The process is built for dealers who want a direct buyer, confidential review, and no broker fees.

Sell BHPH notes and accounts Sell a BHPH portfolio Compare buyer vs broker Verify Robert and CAR Financial

What we buy

Existing BHPH receivables, selected notes, active accounts, partial pools, and full portfolios.

Who reviews the deal

Robert Hicks, Senior Portfolio Buyer at CAR Financial Services, reviews submissions with the buying team.

What we are not

Not a consumer lender, retail finance offer, auction marketplace, or broker network.

Robert Hicks - Senior Portfolio Buyer at CAR Financial Services

Why Dealers Sell BHPH Accounts to Robert Hicks

Senior Portfolio Buyer with over $100M in BHPH accounts and notes purchased. Direct buyer, not a broker.

Actual Capital Behind the Offer

Not a marketplace or facilitator.

Fast Due Diligence

Real underwriting within 24-48 hours.

No Broker Fees

Direct buyer. No broker fees. No surprise discounts.

How to Sell Your BHPH Accounts

1

Upload your BHPH account summary

2

Get a real valuation from a direct buyer

3

Close and receive proceeds in days, not weeks

Choose what fits your dealership

Sell BHPH Notes, Accounts, or an Entire Portfolio

A dealer does not have to sell everything. CAR Financial Services can review selected notes, active accounts, a partial pool, or a complete Buy Here Pay Here portfolio. Robert will tell you which data is needed before asking for customer documents or personally identifiable information.

Sell Selected BHPH Notes

Convert specific performing or seasoned notes into cash while keeping the accounts you prefer to hold. Dealers often use a selected-note sale for inventory purchases, tax-season liquidity, risk reduction, or a first transaction with a buyer.

  • Individual notes or a small pool
  • Weekly, biweekly, semi-monthly, or monthly contracts
  • Fresh and seasoned paper considered

Sell Active BHPH Accounts

Submit a group of existing receivables for a direct valuation. Account balance, payment history, collateral, contract structure, and documentation determine the offer—not a generic percentage posted online.

  • Performing and mixed pools reviewed
  • No broker or auction-style process
  • No customer PII needed for the first review

Sell a Full BHPH Portfolio

A full-portfolio sale can support retirement, a dealership sale, a change in business model, or a balance-sheet cleanup. Larger exits require a deeper review of contracts, servicing, titles, and transition planning.

Review the full-portfolio sale process

What affects an offer

How a Direct Buyer Evaluates BHPH Receivables

There is no reliable one-price-fits-all percentage for BHPH paper. A useful initial tape lets the buyer model remaining cash flow, collateral risk, payment performance, and the work required to complete diligence.

For an initial valuation, send the account fields you already have. Do not include Social Security numbers, driver's-license images, bank information, or other customer PII unless an offer has been accepted and secure diligence is underway.

SeasoningContract date and number of payments made
PerformanceLast paid date, next due date, amount due, and payment history
BalancesPrincipal, gross balance, payment amount, and remaining term
CollateralVehicle year, make, model, mileage, VIN, and title status
StructureAPR, payment frequency, down payment, and contract terms
DocumentationConsistent contracts, titles, disclosures, and account records
Download the Data-Tape Template Ask Robert which report to send

Need Help Before You Sell?

Use these seller guides to compare buyers, prepare your tape, and understand how serious BHPH buyers evaluate accounts.

Evaluate BHPH Note Buyers

Use a checklist to tell direct buyers apart from brokers before you share your account data.

Sell Auto Receivables Guide

Understand what buyers mean by auto receivables and what data helps a direct buyer review the pool.

Read the Sell-BHPH-Accounts Guide

See how to prepare your BHPH accounts for sale and what a serious buyer needs to quote the deal.

Secure Portfolio Upload

Please include your full data tape (Excel/CSV). All data is kept 100% confidential between you and CAR Financial Services.

No customer PII is needed for an initial valuation. Start with balances, payment history, contract terms, and vehicle data.

Drag & drop your file here or click to select

Uploading your portfolio does not commit you to a sale. Use our template if it helps, or upload the file you already have. No tape yet? Call 678-317-4359, send a short message, or email robert.hicks@carfinancial.com.

Key Facts About Robert Hicks & CAR Financial

BUYER TYPE

Direct Institutional Buyer

BROKER FEE

None

MINIMUM PORTFOLIO

No Minimum

GEOGRAPHY

Nationwide (USA)

EXPERIENCE

13+ Years, $100M+ Purchased

COMPANY STABILITY

30+ Years in Business

Frequently Asked Questions About Selling BHPH Accounts

Do you buy nationwide?

Yes. As Buy Here Pay Here note and portfolio buyers, we purchase accounts from dealers in every state across the US.

What kind of BHPH accounts do you buy?

We buy seasoned paper, fresh paper, partial pools, and full portfolios. If you want to sell BHPH accounts, we'll review the tape and tell you quickly whether it fits.

Who is the actual buyer?

You are selling to CAR Financial Services, facilitated by Robert Hicks, Senior Portfolio Buyer.