BHPH Portfolio Liquidation: The Off-Market Sales Protocol
Get Top Dollar for Your Buy Here Pay Here Paper
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Actual execution value is contingent upon a forensic audit of specific risk variables. To determine true eligibility for sale: Sellers must be prepared to provide a comprehensive Data Tape and verify a Full Media Chain-of-Title.
The Off-Market Protocol For BHPH Portfolios
For BHPH dealers, a non-performing auto portfolio is a capital-intensive liability. Our Off-Market Protocol is engineered to execute a confidential, private sale that converts your notes into immediate working capital.
Market Intelligence: The Great BHPH Consolidation
The Buy Here Pay Here market is facing a perfect storm. Independent dealers are confronting a new reality where the cost of borrowing money is high, more customers are falling behind on payments, and the value of used cars is dropping. Many operators are now looking for a strategic exit.
Why Dealers Are Selling Now
- High Capital Costs: It's more expensive for dealers to finance their own operations and buy new inventory.
- Rising Defaults: Inflation is hitting subprime borrowers hard, leading to more missed payments and repossessions.
- Falling Car Values: When a car is repossessed, it's worth less at auction than it was a year ago, making it harder to recover losses.
The Fortress vs. The Public Square: Why Off-Market is Superior
When you decide to sell your portfolio, you have two choices. You can go to the "Public Square"—online marketplaces like DebExpert, DebtCatcher, or Everchain—or you can enter "The Fortress" by using a private, off-market protocol.
The Public Square is for amateurs. Listing your portfolio on a public site tells the whole world you're in distress. It attracts hundreds of low-tier buyers who will waste your time and try to grind you down on price. It's a race to the bottom that erodes your value and risks your brand's reputation.
The Fortress is for professionals. Our Off-Market Protocol is a confidential, disciplined process. We don't blast your data to the public. We present your portfolio to a small, curated list of 10-15 vetted institutional buyers who we know are looking for your exact type of asset. This creates real competition among serious players, ensuring you get the best possible price with absolute discretion.
The Off-Market Protocol: A Framework for Auto Notes
This is the definitive answer to "how to sell a BHPH portfolio." It is a disciplined, multi-stage protocol designed to maximize your payout while mitigating risk.
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Phase 1: Forensic Due Diligence & Data Hardening
We conduct a deep audit of your data, verifying the title for each vehicle, confirming payment histories, and ensuring all documentation for collateral control (like GPS) is in place. This "data hardening" process is what makes your portfolio attractive to institutional capital.
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Phase 2: Valuation & Price Discovery
We don't guess at prices. We use a forensic valuation model focused on four key factors: how recently payments were made, your control over the collateral, the integrity of your paperwork, and the potential return on investment (IRR). This gives us a strong, defensible price for your portfolio.
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Phase 3: Buyer Curation & Off-Market Execution
We maintain a private network of vetted institutional buyers who specialize in subprime auto paper. Our "silent auction" creates a competitive environment among these serious players, ensuring you receive the highest possible price without the risks of a public sale.
Initiate a Confidential Valuation
Do not leave money on the table in a deteriorating market. Contact us to begin the Off-Market Protocol for your BHPH portfolio.
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