Institutional Grade BHPH Portfolio Buyers
Real capital. Real offers. 30+ years of stability.
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 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
Institutional Direct
CAPITAL
Institutional Backing
TRACK RECORD
$100M+ Purchased
COMPANY HISTORY
30+ Years
BROKER FEE
None
SERVICE AREA
All 50 States
When selling a large BHPH portfolio, you need a buyer who can actually close. A buyer with institutional capital—not borrowed money that can be pulled. A buyer who's been through market cycles and survived. A buyer who can write a check for $5 million without flinching.
CAR Financial Services has purchased over $100 million in BHPH receivables. We've been in business for more than 30 years. When other buyers disappeared during market downturns, we kept buying. When hedge funds exited the space, we stayed. We're not going anywhere.
The Problem with Most BHPH Portfolio Buyers
If you've been in the BHPH business for any length of time, you've seen buyers come and go. The landscape has changed dramatically in recent years:
Brokers Pretending to be Buyers
They say they'll buy your portfolio, but really they're shopping it to a network of buyers—and taking a cut in the process. Your data gets shared with multiple parties before anyone makes an offer.
Undercapitalized Buyers
Small operators who can handle $500K deals but can't close on $5M. They'll waste your time with due diligence only to reveal they can't fund the transaction.
Here Today, Gone Tomorrow
Hedge funds and private equity that entered BHPH during boom times and exited when things got tough. Where did all the money go? We wrote about this—it's a real problem in the industry.
CAR Financial's Institutional Advantage
We're different. Here's why dealers trust us with their largest transactions:
30+ Years in Business
CAR Financial Services was founded in 1994. We've survived the 2008 financial crisis, the 2020 pandemic, and every market cycle in between. We're not a startup—we're an institution.
Survived Multiple Market Cycles
When other buyers pulled back or disappeared, we kept deploying capital. Our institutional backing isn't dependent on credit lines that can be revoked when markets get nervous.
Real Institutional Capital
We don't rely on warehouse lines or short-term financing. When we make an offer, the money is there. We don't need permission from a lender to close your deal.
Consistent Buyer Through Up and Down Markets
We buy in good times and bad. While pricing may adjust based on market conditions, we remain active when others exit. Dealers can count on us for liquidity.
Our Portfolio Acquisition Process
We've refined our process over decades. Here's what to expect when you sell your BHPH portfolio to CAR Financial:
Initial Data Review
Upload your portfolio data. We analyze key metrics—balances, seasoning, payment performance, collateral—and assess overall portfolio health.
Preliminary Valuation (48-72 Hours)
You'll receive a preliminary offer with transparent pricing. No obligation to proceed. If you have questions, Robert is available to discuss.
Due Diligence
We review contracts, titles, and payment histories. For large portfolios, we may visit your dealership. This typically takes 1-2 weeks depending on portfolio size.
Documentation & Closing
We prepare purchase agreements and coordinate title transfers. Robert or a local representative can close in person at your location.
Funding
Wire transfer upon closing. For very large transactions, we can structure milestone payments if that works better for your situation.
Typical timeline: 2-4 weeks from initial data submission to funding, depending on portfolio size and complexity.
Nationwide Coverage
We buy BHPH portfolios in all 50 states. Whether you're in Texas, Florida, California, Ohio, or anywhere else—we can serve you.
While we're based in Lawrenceville, Georgia, Robert Hicks or a local representative can travel to your dealership for larger transactions. Face-to-face closings are available for dealers who prefer to do business the old-fashioned way—with a handshake.
For smaller transactions or dealers who prefer speed over ceremony, we handle everything remotely with digital documentation and wire transfers.
6 Red Flags When Choosing a BHPH Portfolio Buyer
Before you commit to selling your portfolio, watch for these warning signs. They can save you months of wasted time and protect your business.
"We need to shop this to our network of buyers"
Translation: They're a broker, not a buyer. Your data is about to be shared with multiple parties, and they'll take a fee on top of whoever actually buys.
Vague answers about their capital source
Translation: They may be relying on credit lines or investor capital that can be pulled. Ask directly: "Are you buying with your own funds?" If they hedge, move on.
No verifiable track record
Translation: They might be a new entrant or a rebranded company with a checkered past. Ask: "How long have you been buying portfolios? Can you provide dealer references?"
Extremely high initial offers that seem too good to be true
Translation: Some buyers bait with high numbers to get you committed, then chip away during due diligence. A realistic buyer prices fairly upfront and sticks to their offer.
Endless requests for data with no offer
Translation: They may be fishing for intelligence, shopping your deal, or simply unable to make decisions. A serious buyer gives you a preliminary number within 48-72 hours.
Unwilling to meet in person for large transactions
Translation: For a multi-million dollar deal, a serious buyer should be willing to shake your hand. If they won't travel, ask yourself why.
Why we share this: We've been in this industry for 30+ years. We've seen dealers waste months with buyers who couldn't close. This checklist protects you—even if you don't sell to us.
Frequently Asked Questions
How do I know you have the capital to close my deal?
CAR Financial Services has been in business for over 30 years and has purchased more than $100 million in BHPH receivables. We're backed by institutional capital—not credit lines that can be pulled. When we make an offer, the money is there. We're happy to provide references from dealers who've sold us portfolios ranging from $100K to multi-million dollar transactions.
What size portfolios do you typically buy?
There's no minimum—we evaluate each portfolio individually and work with dealers of all sizes. Smaller portfolios get the same professional treatment as large ones, just with faster timelines. For very large transactions ($5M+), we may structure milestone funding if that works better for your needs.
Work with Buyers Who Can Actually Close
$100M+ purchased. 30+ years in business. Institutional capital ready to deploy.
Get Your Portfolio ValuationOr call Robert directly: 678-317-4359