BHPH Portfolio Liquidation & Private Valuation Advisory
Get Top Dollar for Your Buy Here Pay Here Paper
BHPH Portfolio Liquidation Private Valuation Advisory
We execute confidential, private-treaty divestitures for BHPH dealerships, auto finance companies, and those selling auto loan portfolios. Our mandate is to maximize returns and your portfolio’s Net Present Value (NPV) without triggering value decay from public auctions.
Market Intelligence: The BHPH Consolidation
The Buy Here Pay Here market is currently facing a perfect storm of economic pressures, triggering a mass exit and consolidation event. Independent dealers who thrived in a low-interest-rate environment are now confronting a new reality.
The cost of capital is high, consumer default risk is elevated, and the value of core collateral—used vehicles—is declining. Assessing the true market value of these assets has become increasingly challenging. Many operators are finding that their business model is no longer sustainable and are seeking a strategic exit.
BHPH Market Risk Analysis (Q4 2025)
The Liquidity Trap: Why Dealers Avoid Auctions
Public marketplaces treat your auto portfolio like a commodity. They broadcast your data to thousands of buyers, creating "Bid Fatigue." We use a Private Treaty Protocol to protect your equity.
| Fitzgerald Advisors Private Treaty |
Public Auctions Marketplaces |
|
|---|---|---|
| Pricing Power | ✓ Pre-Market Valuation We set the strike price based on recovery curves, not highest bid. |
✗ Race to the Bottom Bidders drive price down based on volume. |
| Confidentiality | ✓ Strict NDA Data is shown only to vetted institutional funds. |
✗ Public Exposure Your loan tape is viewable by competitors. |
Valuation Protocol: How We Price BHPH Assets
We do not offer "spot prices." We deploy a forensic valuation model to determine the true worth of your receivables. Our underwriting focuses on four key vectors of value that institutional capital demands:
Recency of Payment
A deep analysis of the 30/60/90-day velocity of cash flow, including review of outstanding balances, to project future performance and assess the payoff amount required for each loan.
Chain of Title Integrity
A forensic audit of all contracts and required documentation to ensure the portfolio is bank-ready and defensible. Access to digital documentation and verified data is critical for this transfer.
Collateral Control
Data-driven evaluation of GPS/Device status and historical recovery rates. We analyze underlying assets, including subprime auto loans, considering risk factors such as negative equity vs. positive equity trade-in scenarios.
Yield Spread & IRR
A precise calculation of the Internal Rate of Return (IRR) and Loan to Value (LTV) ratios to justify a premium purchase price and maximize returns for our capital partners.
Transaction Mechanics & Market Data
Selling BHPH Notes: The process of selling bhph notes is not just about transferring paper; it is about transferring risk. Unlike consumer selling debt settlement schemes, our institutional approach treats your portfolio as a financial instrument, not a liability.
The Data Requirement: Institutional buyers require a standardized selling debt sheet (loan tape). We help you structure this data to highlight performance metrics, ensuring you aren't just selling off bad debt, but monetizing a distressed asset class.
Strategic Liquidity: Many dealers consider selling bhph debt to recapitalize for new inventory. We facilitate this by connecting you with specialized funds.
- Documentation: Coordination of signing documents and transferring ownership.
- Banking Logistics: Management of banking relationships for handling payoffs.
- Asset Evaluation: Arranging inspections or test drives for asset verification.
- Completion: Sales are finalized only after loans are paid in full.
Initiate a Confidential Valuation
Do not leave liquidity on the table in a deteriorating market. Contact us to open a mandate and a Principal from Fitzgerald Advisors will provide a strategic exit assessment.
Direct Mandate Access:
Jeffery Hartman Director of Portfolio Liquidity & Asset Disposition