Sell BHPH Notes Direct: Avoid Broker Fees
Keep more of your money by selling directly to the buyer
Direct Buyer vs. Broker: What's the Difference?
When you sell a Buy Here Pay Here portfolio, you can work through a broker who shops the deal or go directly to the buyer. Here's how those paths usually compare.
| Factor | Broker | Direct Buyer (Robert Hicks) |
|---|---|---|
| Broker Fee | 2-5% broker fee | None |
| Who You're Talking To | Middleman who shops your deal | Direct buyer with authority to close |
| Decision Authority | Must wait for buyer approval | Immediate decision-making power |
| Your Data | Shared with multiple buyers | Confidential, one buyer only |
| Timeline to Offer | 3-7 days (shopping around) | 24-48 hours |
| Closing Speed | 2-4 weeks typical | As fast as 5 days |
| Relationship | Transactional, one-time | Long-term partnership available |
| In-Person Meeting | Rare | Robert or a local rep comes to your dealership |
Through a Broker
Broker fee that comes out of your pocket
Direct to Robert Hicks
No broker fee - deal directly with the buyer
Real Savings Example
On a $500,000 portfolio, here's what you'd pay in broker fees:
Through Broker: $15,000 broker fee (3%) = $15,000
Direct to Robert: No broker fee = $0
You keep an extra $15,000+
Why Do Brokers Exist?
Brokers serve a purpose in the market. They connect sellers who don't know where to find buyers with capital sources. For dealers who have never sold a portfolio before, a broker can seem like the easy path.
The main tradeoff is simple: a broker can widen your distribution, but it also adds another layer to the process.
When you work with Robert Hicks at CAR Financial Services, you deal directly with the buyer reviewing the portfolio. That usually means fewer handoffs, clearer communication, and no broker fee.
The Broker Fee Problem
Brokers charge 2-5% to connect you with a buyer. That fee comes straight out of your pocket. When you go direct, you eliminate the broker fee entirely.
The BHPH note market includes legitimate brokers, and some dealers prefer that route. But if you already know the buyer you want to work with, going direct is usually simpler and less expensive.
For many dealers, the best fit is the route that keeps the process confidential, shortens the timeline, and avoids extra fees.
Why Dealers Choose Direct
Eliminate the Broker Fee
Brokers charge 2-5% just to connect you with a buyer. Going direct means you pay no broker fee—period. On a $500K portfolio, that's $15,000+ back in your pocket.
Faster Decisions
No waiting for a broker to shop your deal around. Robert has the authority to make offers immediately. You get preliminary valuations in 24-48 hours, not a week.
Your Data Stays Private
When you use a broker, your loan tape gets shopped to multiple buyers. With a direct buyer, your sensitive portfolio data is shared with one party only—the actual purchaser.
Build a Real Relationship
Brokers disappear after the deal closes. Robert and CAR Financial are in this for the long haul. Many dealers come back for repeat transactions as their business grows.
Face-to-Face Service
Robert or a local rep will come to your dealership. Shake hands, review documents together, and close the deal in person. Try getting that from a broker.
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.
Ready to Skip the Middleman?
Get a no-obligation offer directly from Robert Hicks. No broker fees, no shopping your deal around, no surprises.
Or call Robert directly: 678-317-4359
Questions? Email Robert directly: robert.hicks@carfinancial.com