Sell Your BHPH Notes for Cash – Fast & Direct

Unlock capital from your receivables without selling your entire portfolio

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 (No Brokers)

BROKER FEE

None

MINIMUM DEAL

No Minimum

CLOSING TIME

5-10 Days

EXPERIENCE

$100M+ Purchased

GEOGRAPHY

Nationwide

Don't let capital sit tied up in paper. Every dollar locked in your receivables is a dollar you can't use to buy inventory, fund operations, or grow your dealership. The good news? You don't have to liquidate your entire portfolio to access that capital.

When you sell BHPH notes to CAR Financial Services, you choose which accounts to convert to cash. Sell a handful of notes to cover a floor plan payment. Offload a pool of seasoned paper to fund a buying trip. Keep your best performers and let us take the rest off your hands. It's your portfolio—you decide what makes sense.

Why Sell Individual Notes vs. Your Entire Portfolio?

Flexibility is the key advantage. When you sell BHPH notes selectively, you maintain control over your business while still accessing liquidity. Here's why dealers choose this approach:

  • Cherry-pick your accounts: Sell the notes you want to move—keep the ones generating consistent returns.
  • Quick capital injections: Need $75K for a buying trip next week? Sell a pool of notes and have cash in hand within days.
  • Test the waters: Not sure if selling is right for you? Start with a small batch and see how the process works before committing to a larger transaction.
  • Manage your risk: Offload accounts you're worried about while keeping your strongest performers on the books.
  • No all-or-nothing pressure: Unlike some buyers who only want entire portfolios, we're happy to purchase partial pools.

What BHPH Notes We Buy

We purchase a wide range of Buy Here Pay Here notes. While every deal is evaluated individually, here's what we typically look for:

Performing Notes

Current accounts with consistent payment histories are our bread and butter.

Seasoned Paper

Notes with 3+ months of payment history demonstrate borrower commitment and command better pricing.

Fresh Originations

We also purchase newer notes—they're evaluated differently but still considered.

Various Payment Frequencies

Weekly, bi-weekly, semi-monthly, monthly—we work with all standard payment structures.

No Broker Fees—Ever

When you sell BHPH notes through a broker, you're paying their commission (typically 2-5%) on top of the buyer's costs. That adds up fast.

With CAR Financial, there's no broker. You deal directly with the buyer. No broker fees.

The Broker Fee Problem:

Through a Broker (3% fee on $100K) -$3,000
Direct with CAR Financial $0 broker fee

You keep more by going direct.

The Process to Sell Your BHPH Notes

1

Upload Your Data

Submit your loan data through our secure portal. No customer PII required for the initial valuation.

2

Get Your Valuation

We analyze your notes and provide a competitive offer within 24-48 hours. No obligation, no pressure.

3

Close & Get Funded

Accept the offer, provide documentation, and receive funding in 5-10 days via ACH, wire, or check.

Frequently Asked Questions

Can I sell just a portion of my BHPH notes?

Yes. Unlike many buyers who only want entire portfolios, we purchase partial pools. You can cherry-pick which accounts to sell—keep your best performers and convert the rest to cash. There's no requirement to sell everything.

How do you determine the value of a BHPH note?

We evaluate each note based on seasoning (payment history length), payment performance, remaining balance, collateral value, and loan terms. Seasoned notes with consistent payment histories command higher valuations. We provide transparent pricing with no hidden calculations.

How fast do I get funded after accepting an offer?

Once you accept our offer and provide the required documentation, funding typically occurs within 5-10 business days. We offer ACH, wire transfer, or check—your choice. Smaller, cleaner deals often close even faster.

Ready to Sell Your BHPH Notes?

Get a no-obligation valuation in 24-48 hours. Direct buyer, no broker fees, fast funding.

Get Your Cash Offer

Or call Robert directly: 678-317-4359