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 your Buy Here Pay Here portfolio, you have two options: go through a broker who takes a cut, or sell directly to the actual buyer. Here's how they compare.
| Factor | Broker | Direct Buyer (Robert Hicks) |
|---|---|---|
| Broker Fee | 2-5% broker fee | None |
| Who You're Talking To | Middleman who shops your deal | The actual buyer with capital |
| 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.
But here's what they don't tell you: you're paying for an introduction you don't need.
When you work with Robert Hicks at CAR Financial Services, you're going directly to a Senior Portfolio Buyer with over $100 million in purchasing experience. No middleman. No markup. No mystery about who's actually buying your notes.
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 buying industry has plenty of legitimate brokers. But if you can go direct to the source, why wouldn't you? Every dollar saved on fees is a dollar back in your pocket—money you can reinvest in your dealership.
Of course, if you enjoy paying extra fees, go ahead and use a broker—they're probably going to send your deal to me anyway.
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 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.
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? Just want to pick my brain? Email me: robert.hicks@carfinancial.com