The Industry's Most Trusted BHPH Note Buyers

Direct capital. Direct answers. No middlemen.

Secure Portfolio Upload

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

Drag & drop your file here or click to select

Uploading your portfolio does not obligate you to sell—get your free valuation with no pressure. We prefer you use our template, but feel free to upload whatever you have. Questions? Contact Robert directly.

BUYER TYPE

Direct Institutional

BROKER FEE

None

CAPITAL SOURCE

Institutional

TRACK RECORD

$100M+ Purchased

EXPERIENCE

13+ Years

SERVICE

Face-to-Face

Not all BHPH note buyers are the same. Some are brokers who will shop your deal around and take a cut. Some are small operators who can't close large transactions. Some are hedge funds that view your business as a spreadsheet line item.

CAR Financial Services is different. We're a direct buyer with institutional capital. When you call us, you talk to Robert Hicks—the person who will actually buy your notes. No sales team, no junior analysts, no "we'll get back to you after we shop your deal." Direct answers from someone who's been doing this for 13 years.

Direct Buyers vs. Brokers: Know the Difference

This distinction matters because it directly impacts how much money you keep and how your data is handled.

Direct Buyer (CAR Financial) Broker
Who buys your notes? We do—with our own capital They shop it to other buyers
Broker fee None 2-5% broker fee
Who sees your data? Only us Multiple potential buyers
Decision timeline 24-48 hours Weeks (waiting for bids)
Point of contact Robert Hicks (decision-maker) Sales rep (middleman)
Relationship Direct, long-term Transactional

Learn more about direct vs. broker differences →

Our BHPH Note Buying Criteria

We're flexible buyers, but here's what we look for when evaluating BHPH notes:

What Makes a Note Attractive

  • Consistent payment history (3+ months ideal)
  • Reasonable loan-to-value ratio
  • Clear title documentation
  • Standard BHPH terms and structure
  • Complete contract and payment records

What Doesn't Disqualify a Note

  • Older vehicles (we adjust pricing)
  • Higher mileage collateral
  • Some payment irregularity
  • Fresh originations (less seasoned)
  • Mixed portfolio performance

Meet Robert Hicks

Robert Hicks is the Senior Portfolio Buyer at CAR Financial Services. He's not a sales rep. He's not an algorithm. He's the person who will actually evaluate your notes and write the check.

  • 13+ years in the BHPH industry
  • Georgia Tech graduate
  • $100M+ in receivables personally overseen
  • Based in Lawrenceville, GA—serves dealers nationwide

"I'm not an algorithm. I'm the person who will buy your notes. When you call, you talk to me. When we close, I can come to your dealership and shake your hand."

— Robert Hicks

Why Dealers Choose Us Over Other BHPH Note Buyers

No Broker Fees

No broker markup. No hidden fees. Direct buyer means you keep more of your money.

Speed

Valuations in 24-48 hours. Closing in 5-10 days. We don't need to wait for other buyers to bid because we are the buyer.

Face-to-Face Option

Robert or a local representative can come to your dealership. Review files together. Close in person. Real business, done the old-fashioned way.

Long-Term Relationships

Many dealers sell to us repeatedly. We're not just chasing one deal—we want to be your go-to buyer whenever you need liquidity.

7 Questions to Ask Any BHPH Note Buyer Before Sharing Your Data

Not sure if you're talking to a real buyer or a broker? Use this checklist before sending your data tape. A legitimate direct buyer will answer these questions clearly.

  1. "Are you buying with your own capital, or do you shop deals to other buyers?"
    A direct buyer uses their own funds. A broker sends your data to multiple parties.
  2. "Do you charge broker fees?"
    Brokers charge 2-5% on top of the buyer's costs. Direct buyers don't charge broker fees.
  3. "Who else will see my portfolio data?"
    Your customer data is sensitive. A broker may share it with 5-10 potential buyers.
  4. "How long have you been buying BHPH paper, and what's your total purchase volume?"
    Experience matters. Ask for specifics—"years in business" can be vague.
  5. "Can I speak directly to the person who makes the buying decision?"
    If you're only talking to a sales rep, you're probably not talking to the buyer.
  6. "How quickly can you provide a binding offer, and what's your typical closing timeline?"
    Direct buyers move fast (24-48 hours for offers). Brokers wait for multiple bids.
  7. "Will you come to my dealership to close in person?"
    A serious buyer will meet you face-to-face. This builds trust and accountability.

Our answers: We buy with institutional capital. No broker fees. Only we see your data. 13+ years and $100M+ purchased. You talk directly to Robert Hicks. Offers in 24-48 hours. And yes—we'll come to your dealership.

Frequently Asked Questions

Are you a broker or a direct buyer?

We are a direct buyer. CAR Financial Services purchases BHPH notes with our own institutional capital. We don't shop your deal to other buyers. No broker fees—ever. When you work with us, you're working with the actual purchaser.

What states do you buy notes in?

All 50 states. We're based in Georgia but purchase BHPH notes from dealers nationwide. Whether you're in Texas, California, Ohio, or anywhere else, we can evaluate your notes and make an offer.

Skip the Broker. Deal Direct.

Get a direct offer from an actual buyer. No broker fees, no data shopping, no runaround.

Get Your Direct Offer

Or call Robert directly: 678-317-4359