Sell Your Entire BHPH Portfolio | Maximize Your Exit
Bulk portfolio acquisitions for dealers ready to liquidate
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
Direct Institutional
BROKER FEE
None
MINIMUM
No Minimum
MAXIMUM
$20M+
CLOSING TIME
10-21 Days
GEOGRAPHY
Nationwide
When you're ready to exit, you need a buyer with the capital to close. Not a broker who will shop your deal for months. Not a lender who might pull their credit line. You need an institutional buyer who can write the check.
CAR Financial Services has purchased over $100 million in BHPH receivables. We handle bulk portfolio acquisitions from $100K to $20M+. Whether you're retiring, transitioning to a different business model, or simply ready to clean up your balance sheet, we have the capital and experience to close your deal efficiently.
Why Dealers Sell Their Entire BHPH Portfolio
Every dealer has their reasons. After 13 years in this business, Robert Hicks has seen them all. Here are the most common:
Retirement or Exit
You've built the business, now it's time to cash out and move on to the next chapter.
Business Model Transition
Moving from BHPH to retail, or closing the finance arm to focus on sales.
Tax Planning & Year-End Liquidation
Converting receivables to cash before year-end for strategic tax purposes.
Paying Off Floor Plan Debt
Eliminate debt obligations and free up borrowing capacity for future growth.
Market Timing
Taking advantage of favorable conditions before potential market shifts.
Our Bulk Portfolio Acquisition Process
Large transactions require a structured process. Here's how we handle bulk BHPH portfolio purchases:
1. Data Mapping & Analysis
Submit your portfolio data. We map it to our valuation model and analyze performance metrics, seasoning, collateral, and risk factors.
2. Preliminary Valuation
Within 48-72 hours, you'll receive a preliminary offer based on our analysis. No obligation, no pressure to proceed.
3. Due Diligence
If you accept, we conduct file-level review—verifying contracts, titles, and payment histories. We can visit your dealership or work remotely.
4. Documentation & Closing
We prepare the purchase agreement, handle title transfers, and coordinate closing. Robert or a local rep can close in person at your location.
5. Funding
Funds are wired upon closing. For large transactions, we can structure milestone payments if preferred.
Why Choose CAR Financial for Your Exit
30+ Years in Business
CAR Financial has survived multiple market cycles. We're not a startup that might disappear mid-transaction.
$100M+ in Acquisitions
We have the track record and capital to close large deals. This isn't our first rodeo.
Robert Hicks: 13 Years Experience
You deal directly with a senior buyer who knows BHPH inside and out—not a junior analyst or call center.
Face-to-Face Service
For bulk transactions, we come to you. Shake hands, review files together, close in person.
BHPH Portfolio Criteria
We evaluate every portfolio individually. Here's a general overview of what we consider:
- Size Range: No minimum to $20M+ in principal balance
- Performance: Performing, sub-performing, and mixed portfolios considered
- Geography: All 50 states—no regional restrictions
- Seasoning: Fresh originations to fully seasoned paper
- Collateral: Standard BHPH vehicle types (we account for age/mileage in pricing)
Not sure if your portfolio qualifies? Upload your data for a free, no-obligation assessment.
Frequently Asked Questions
Do you buy portfolios with delinquent or charged-off accounts?
Yes. We evaluate the entire portfolio and price accordingly. Delinquent accounts are factored into the valuation but don't disqualify a portfolio. We've purchased portfolios with mixed performance—the key is accurate data so we can price it fairly.
What documents do I need for a portfolio valuation?
For the initial valuation, we need your loan data export including balances, payment history, and vehicle information. No customer PII is required upfront. After you accept an offer, we'll need contracts, titles, payment histories, and customer information for due diligence.
Can you handle portfolios over $5 million?
Absolutely. CAR Financial has institutional backing and has purchased over $100 million in receivables. We regularly handle large transactions up to $20M+ and have the capital to close deals that smaller buyers can't.
Ready to Sell Your BHPH Portfolio?
Get a bulk portfolio valuation in 48-72 hours. Institutional capital, no broker fees, professional closing.
Get Your Portfolio ValuationOr call Robert directly: 678-317-4359