CPAs and tax advisors
You see the write-offs and the year-end plan
A December sale closes before the books do. Charge-offs that are already written off still have a price.
Apply as a CPA or tax advisorHomePartner program
Year-end sale: dealers who want cash before December 31 list by December 4. Partners live by November 13 are in that sale.
Your clients sit on paper they could turn into cash. Earn 30% of our fee every time they do.
Debexpert auctions performing notes, charge-offs and skips to 500+ verified buyers. The buyer pays our fee. You get 30% of it on every sale by a seller you introduced, first and repeat.
- 10 minutes to set up
- No cost to you or your client
- Non-exclusive · leave anytime with 30 days' notice
500+ verified buyers$2.5B portfolios auctioned14–21 days to payment
Trusted by debt sellers across the US
$578M auto and BHPH notes sold$0 seller fees, ever4.9 / 5 rated by sellers and buyers48 hours to a free valuation
ByriderAsbury Management GroupMarch MotorsDirect Access Capital
Who this is for
Built for the people dealers already trust with money decisions
Most BHPH dealers know one or two buyers and stay with them for years. The decision to sell is talked through with an accountant, a 20-group, a consultant or a vendor rep long before it reaches us. If you are that person, this program pays you for an introduction you were going to make anyway.
20-group moderators and consultants
The question gets asked in your room
“Should I sell my notes?” comes up at every composite review. Now there is an answer with a number attached.
Apply as a moderator or consultantDMS and analytics vendors
The report your dealers already run is the file our buyers bid on
A “sell these for cash” option on the aged-accounts report is a revenue line that costs you nothing to build.
Apply as a software vendorGPS, insurance and payment vendors
Your reps are in the lot every month
When a dealer says the floorplan is eating them, your rep has the answer. Split the 30% with your reps as you see fit.
Apply as a dealer-service vendorAssociations, media and podcasts
Your members ask what their paper is worth every tax season
We give you the closed-sale price data first, plus a free valuation your members can use.
Apply as an association or media partnerDealers and lenders who sold with us
A dealer's word carries more weight than any vendor's
If you sold with us and know someone sitting on paper, the same terms apply to you.
Apply as a dealer or lenderWhy your clients will thank you
Most dealers know one buyer. That buyer knows it.
Two conversations your clients are already having. Each one ends in a sale on Debexpert that the dealer could not have run alone.
What the dealer says
“Floorplan interest is eating the margin and tax season starts in February.”
What happens on Debexpert
They sell a slice of performing notes in December, cash lands in 14–21 days, the line gets paid down before the inventory build. Servicing-retained offers mean they keep the customer.
What the dealer says
“I sold once. Same buyer ever since. The price keeps getting worse.”
What happens on Debexpert
A competitive 1-hour auction with 500+ verified buyers, including funds and family offices that price differently from the usual LTV formula. The dealer sees the market, not one number.
Charge-offs, deficiencies and skips sell the same way, to specialist buyers in a standing quarterly sale, and many buyers make no-recourse, full-funding-at-closing offers. The full seller process is on the seller page.
Three ways to partner
Same 30%. Pick the format that fits how you reach dealers.
Every format pays the same share on the same terms. The difference is how much we build together, which depends on whether you have a newsletter, a product or just a phone.
Start here
Introduce
A link or an email intro. We do everything else.
30% of our fee · $0 setup
- Your personal partner link and code
- Dealer-ready emails and posts you can send as your own
- Status on every introduction, monthly statement
- Set up in 10 minutes
For CPAs, consultants, 20-group moderators, field reps, dealers and lenders.
Start as an introducerPromote
Co-marketing to your dealer list, built with you.
30% of our fee · $0 setup
- Co-branded page with the free 48-hour valuation
- One joint webinar or podcast segment a year, Henry presents
- Quarterly closed-sale price sheet for your newsletter
- Sponsorship or member-benefit structure available for associations
For associations, media, podcasts, and vendors with a dealer newsletter.
Plan a co-marketing formatEmbed · white label
The marketplace on your domain, in your brand.
30% of our fee · one-time $3,000 setup
- Runs at auctions.yourbrand.com
- Seller space carries your name, logo and colors
- A “sell notes for cash” prompt inside your product
- Setup fee covers domain, branding and seller-space personalization
For DMS, analytics and payment platforms with 30 or more dealers.
Talk about white labelHow it works
Your part takes an introduction. Ours takes 14 to 21 days.
You never send us a client's data. The dealer clicks your link or uploads their file themselves, under our NDA, and we take it from there.
What you do
- 1Sign the partner agreementE-signature, two pages, about 10 minutes. You get your link, your code and the kit the same day.
- 2Make the introductionShare your link, forward an email, or mention us in your next client meeting. The dealer clicks or uploads; the file never passes through you.
- 3Read the statementEvery introduction gets a status note: valued, listed, sold, funded. Commission is reported monthly and paid within 14 business days of month-end.
What your client experiences
- Day 1A named Debexpert contact replies within one business day.
- 48 hoursFree valuation based on recent closed sales of similar paper. No obligation.
- ListingWe prepare the file (we integrate with most DMS providers), mask customer data and open the data room under NDA.
- 1 hourCompetitive auction. Performing, deficiency and skip pools can run in parallel to different buyer sets.
- 14–21 daysVetted buyer, industry-standard PSA, funds in the dealer's account. The dealer pays $0.
What sellers say
Your name is on the introduction. Here is what it leads to.
“They set very clear expectations and not only met those expectations, but were able to exceed them by two and a half times.”
“We didn't have to spend a lot of time to sell portfolio. It was really painless on my end.”
The terms, in plain words
No fine print you have to go looking for
- Your share
30% of Debexpert's fee
On every sale by a seller you introduced, first and repeat, for the life of the agreement.
- Who pays
The buyer. The seller pays $0.
2% of principal on performing notes; 5% of the sale price on charge-offs, deficiencies and skips.
- Attribution
The seller stays yours
Starts on the connection date, when the seller passes compliance review and gets platform access. First partner recorded wins; disputes decided within five business days.
- Reporting and payment
Monthly statement, ACH within 14 business days of month-end
A W-9 at signing. Commissions are calculated on fees actually collected.
- Exclusivity
Non-exclusive for Debexpert
You can keep every note buyer and lender relationship you have. The one condition: no competing debt-sale business during the term without our written consent.
- Term and exit
30 days' written notice, either side
Commission stops at termination.
- Practical minimums
$100K performing principal or $200K charge-off balance
Smaller books get a specific answer on what would make them sellable and when to come back.
- Compliance
NDA, masked data, vetted buyers
Debexpert is the operator of record and an RMAI member. Buyers are verified before they bid; PSAs are industry-standard.
Apply · founding partners
Tell us who you are. We reply within one business day.
We are onboarding the first 25 partners before the December sale. Founding partners get the closed-sale price sheet first and a direct line to Henry.
- 1Terms in your inboxThe two-page agreement, within one business day.
- 2One 15-minute callBook it when you apply. Your clients, their calendar, the format that fits. Nothing to prepare.
- 3Live in five business daysYour link, your code and the kit go out the same day the agreement is signed.
Prefer to write or call?
Henry AroraHead of Business Development
Henry reads every application himself.
Pick your 15-minute slotQuestions partners ask first