Auto Notes | BHPH Notes Portfolios for Sale
.jpeg){kind=spacer}
Get real market value through competitive auctions. No-recourse options available. Keep customer relationships with servicing-retained deals. Close in days, not months. Zero seller fees.
For years, BHPH dealers had limited options: work with one buyer who dictates the price, or use a broker with 2-3 contacts. Either way, you're leaving money on the table and losing control. Here's what's broken:
Traditional Method: Work with a single broker or buyer who gives you a take-it-or-leave-it price.
The Reality: Without competition, you have zero leverage. You're accepting their underwriting formula based solely on LTV and seasoning. No negotiation. No market validation. Just their number.
The Hidden Cost: Most dealers accept the first offer, unaware they could get 20-30% more with competitive bidding.
100+ active buyers compete for your bulk paper in a transparent, 1-hour auction. Real competition drives prices up. You see every bid in real-time. Multiple buyer types (hedge funds, family offices, other BHPH dealers) using different valuation models means you get true market value, not one buyer's formula.
Result: Average 20-30% higher sale price vs. single-buyer offers.
Traditional Method: Buyer offers an attractive headline number, but 20-30% is tied to a "bonus pool" based on future portfolio performance.
The Reality: When accounts underperform—often due to poor transition to the buyer's servicing—they withhold the bonus. Common excuses:
You wait 60-90 days only to receive 60-70% of the promised amount.
Access to multiple buyers offering no-recourse deals: 100% payment at closing. No waiting period. No performance-based clawbacks. No deferred "bonus pools." Cash in hand, immediately.
You choose between:
Result: You know exactly what you're getting before signing. No surprises 90 days later.
Traditional Method: Sell Bulk → Buyer takes over collections → Customer relationship transfers completely → You never hear from them again.
The Reality:
The Worst Part: Some buyers conduct intrusive "verification calls" before purchasing, damage the relationship, then walk away from the deal anyway.
Option 1: Servicing Retained
Option 2: Vetted Buyers Only
Result: Protect your brand. Keep future business. Or choose buyers who won't destroy your reputation.
Traditional Method: Sell to unknown buyer → Cross your fingers → Hope they follow FTC Safeguards Rule.
The Reality: BHPH dealers are legally responsible for third-party vendor violations:
Plus: Buyer vetting includes:
Sleep soundly knowing your data is protected and you're working with compliant buyers.
Sound familiar? There's a better way. Let's show you how selling on Debexpert actually works.
From initial valuation to cash in your bank account, the entire process takes 18 days on average. Here's exactly how it works:
What Happens:
Upload your portfolio data file directly from your DMS system. We integrate with DealerTrack, RouteOne, Frazer DMS, AccuTrade, AutoStar,
and all major BHPH management systems.
Or: Send us a CSV/Excel export—we'll handle the formatting.
Our analytics team reviews:
You Get:
✅ Completely free. Zero obligation. Just information.
What Happens:
Your dedicated account manager works with you to:
Choose Auction Type:
Select Deal Structure:
Portfolio Segmentation: We may recommend splitting your portfolio into multiple auctions for maximum recovery.
We Handle: Creating masked files, writing descriptions, notifying buyers, pre-qualifying bidders
During the Auction:
You watch in real-time from your dashboard (desktop or mobile app):
Transparent Bidding:
Average Results:
After Auction: You're NOT obligated to accept the highest bid. YOU stay in complete control.
What Happens:
Due Diligence Period:
Winning buyer reviews full unmasked data, final verification of account details, title checks (if applicable).
Contract Signing:
We provide industry-standard purchase agreements. Legal templates reviewed by attorneys. E-signature supported for fast closing.
Document Transfer:
All files exchanged via encrypted Share Drive. Promissory notes, payment histories, vehicle titles. Full audit trail maintained.
Payment:
Average Timeline from Auction to Payment: 10 days
Unlike traditional buyers who only tell you what you want to hear, we believe in transparency. Here's everything you need to know—the good and the concerns—before selling your BHPH portfolio.
Get a lump sum today instead of waiting years for payments.
Why This Matters:
The Math: Guaranteed money today is worth more than potential money tomorrow. A $500K bulk portfolio sold for $400K cash today vs. collecting $500K over 3 years (with default risk) is often the better deal.
Free up staff time and resources.
What You Save:
The Result: Your team focuses on what you do best—selling cars and financing customers—not chasing late payments.
Transfer default risk to the buyer.
Protection Against:
Smart Strategy: Many dealers sell non-performing accounts quarterly while keeping performing accounts. This maintains optimal risk exposure.
Get money without:
You maintain 100% ownership while accessing capital for growth.
The Concern: Selling at a discount means lower profit than collecting the full amount yourself.
The Reality:
Debexpert Solution:
Example: $1M portfolio → Traditional buyer: $700K → Debexpert auction: $900K + servicing revenue
The Concern: Customer transfers to buyer = no repeat business = lost future sales.
The Reality: In BHPH, repeat customers are gold. 30-40% of customers return for another vehicle within 3 years.
Debexpert Solution:
Alternative: Choose a buyer who's another BHPH dealer. They may refer customers back to you for geographic reasons.
The Concern: Buyer uses heavy-handed tactics → customer blames YOUR dealership → 1-star Google reviews → damaged reputation.
The Reality: This is a legitimate concern with unvetted buyers.
Debexpert Solution:
You Choose: Accept a slightly lower bid from a reputable buyer over the highest bid from an unknown entity.
The Concern: FTC Safeguards Rule holds you liable for vendor data breaches. Fines: $51,744 per violation.
The Reality: Selling notes = sharing customer data = compliance exposure.
Debexpert Solution:
Result: You can prove compliance if audited.
The disadvantages are real, but they're manageable with the right platform and the right buyers. The question isn't "Should I sell?"—it's "How do I sell smartly while protecting my interests?"
Here's exactly how selling on Debexpert compares to working with traditional single buyers or brokers. The difference is significant:
| Feature | Traditional Single Buyer | Traditional Broker | Debexpert Auction |
|---|---|---|---|
| Number of Buyers | 1 | 2-3 | 100+ |
| Price Discovery | Take-it-or-leave-it | Limited negotiation | Competitive bidding |
| Average Price | Baseline | 5-10% higher | 20-30% higher |
| No-Recourse Options | Rare | Rarely | Commonly available |
| Servicing Retained | No | No | Yes, available |
| Compliance Verification | Unknown | Minimal | 100% verified |
| Seller Fees | 0% | 5-10% | 0% |
| Closing Time | 45-90 days | 30-60 days | 18 days average |
| Price Transparency | None | Low | Full visibility |
| Reputation Control | None | None | Buyer vetting |
| Customer Verifications | Often required | Often required | Optional only |
| Negotiation Leverage | Zero | Minimal | High (competition) |
| Platform Technology | Phone/Email | Excel | Full platform + App |
| Post-Sale Support | None | Limited | CRM + dedicated rep |
| Data Security | Unknown | Basic | End-to-end encrypted |
| Audit Trail | No | No | Complete records |
With traditional buyers, you get convenience. With Debexpert, you get convenience AND 20-30% more money AND better protection.
Every type of auto note has value. Different buyers specialize in different asset types. Here's what you can sell on Debexpert:
85-95% of remaining principal balance
Highest liquidity category
Fastest closing times
Best For: Dealers needing immediate capital but want to keep non-performers for collection efforts.
Ideal Selling Time: After 6-12 months of payments. Sweet spot where value is maximized.
15-35% of remaining balance (varies widely)
Depends on: recency, collateral value, state laws
Key Insight: These accounts still have value. Don't let them sit on your books at $0.
5-15% of deficiency amount
Highly variable based on state laws
Better than writing off 100%
Surprise Factor: Many dealers don't realize deficiencies have any value. This is found money.
10-25% of balance
Depends on data quality and last known location
Why Sell: Skip-tracing is expensive and time-consuming. Let specialists handle it.
We run multiple simultaneous auctions:
Result: Maximize total recovery by matching each asset type with the right buyer pool.
Best For: Dealers retiring, closing locations, or major portfolio clean-up.
Not sure which category your portfolio fits? Our analytics team will categorize everything during the free valuation.
We've built the largest network of verified BHPH portfolio buyers in the US. Here's who's bidding on your accounts:
Typical Pricing: 85-95% of principal balance
Typical Pricing: 15-35% of balance (NPL)
Typical Pricing: 80-90% of balance
Unique Benefit: They may refer customers back to you for vehicles outside their inventory.
Typical Pricing: 82-93% of balance
Why This Matters: They don't all use the same underwriting formula. More diverse bids = better pricing.
Typical Pricing: 5-20% of deficiency balance
Found Money: Turn complete write-offs into actual revenue.
Typical Pricing: 20-40% for NPL, 85-92% for performing
More buyer types = more competition = better pricing for you. Unlike traditional methods where one buyer dictates terms, our auction creates real market dynamics.
"March Motors listed over 100 accounts, totaling approximately $1.4 million in principal, on Debexpert—a leading platform for debt trading. Debexpert attracted a diverse range of debt buyers, including Buy Here Pay Here bulk purchasers, family offices, asset management firms, and various investors."
"The Debexpert team helped us with NPL auctions. They were incredibly knowledgeable and easy to work with. They set clear expectations and not only met them but exceeded them by two and a half times. Very pleased with the results."
"I was worried about losing customer relationships—that's our bread and butter. The servicing-retained option let us keep servicing 80% of the accounts we sold. We got the cash we needed AND kept our customers for future sales. Best of both worlds."
"After 15 years of working with the same buyer, I thought I was getting fair prices. Debexpert showed me I was leaving 30% on the table. Now I auction every portfolio and get real market value. Never going back to the old way."
"The Debexpert team was extremely helpful. Carlos, Henry, and Mike made the process simple. They handled everything from data formatting to buyer communications. I would HIGHLY recommend them to anyone selling their BHPH portfolio."
"Debexpert provided us with numerous buyers for our portfolio. They got top dollar for our accounts and I would highly recommend using their firm. Henry did a great job as our Account Representative to make sure the process went smoothly."
A: It depends on multiple factors:
Performing notes: Typically 80-95% of remaining principal balance
Non-performing notes: Typically 15-35% of balance
Deficiencies: Typically 5-15% of deficiency amount
Our free valuation gives you an accurate market estimate in 24 hours. On average, dealers get 20-30% more through our auction than traditional single-buyer offers.
No-Recourse:
Recourse:
Debexpert advantage: We have buyers offering both. You choose what works for your dealership. Most dealers prefer no-recourse for peace of mind.
A: Not if you choose the right buyer and structure.
Reputation Protection Options:
Option 1: Servicing Retained
Option 2: Vetted Buyers
Option 3: Choose Your Buyer
Real Risk: Selling to unknown, unvetted buyers through traditional channels. That's where reputation damage happens.
A: Average timeline: 18 days from start to payment
Breakdown:
Fastest deals: 7-10 days with:
Traditional methods: 45-90 days typical
A: Perfect! Most dealers do exactly this.
Common Strategies:
Strategy 1: Sell Non-Performers, Keep Performers
Strategy 2: Sell by Pool
Strategy 3: Sell Seasonally
We help you strategize the optimal approach for your business.
A: Absolutely not. You're in complete control.
After auction ends, you can:
Example:
Your dealership, your decision.
For Sellers: $0 fees
For Buyers: 2% commission
Why this works:
A: Absolutely! These are often overlooked profit centers.
Deficiency Balances:
Skip Accounts:
Real Example:
Many dealers don't realize these have value. We'll show you exactly what they're worth.
A: This is where Debexpert really shines.
Data Security:
Compliance:
If Audited: You can prove:
Your liability is minimized through our verification process.
A: Try us once with a small test portfolio. No obligation.
The Reality: Most dealers who've worked with one buyer for years discover they've been leaving 20-30% on the table. They had no way to know—no market validation.
Suggestion:
Two possible outcomes:
Outcome 1: Your current buyer is competitive
Outcome 2: You get 20-30% more on Debexpert
What do you have to lose? It's free to try, and you'll finally know if you're getting fair market value.
A: We integrate with all major BHPH management systems:
Direct Integrations:
Also Accept:
Don't have a DMS? No problem. If you have payment data in any format, we can work with it.
Data fields we need:
We'll help you extract and format everything.
A: We have options for urgent situations.
Fast-Track Process:
Requires:
Buyers who can close fast:
Fastest deal closed: 7 days from first contact to payment.
Call us immediately if urgent: (302) 703-9387
Stop accepting one buyer's offer. Let 100+ investors compete for your business.
Get your free portfolio valuation in 24 hours. No obligations. No pressure. Just real market data.
Free valuation delivered within 24 hours. See exactly what your portfolio could sell for.
Your data is encrypted and secure. We never share your information with buyers without permission.
Free valuation. Free auction listing. Zero seller fees. Buyers pay all commissions.
Call us directly:
(302) 703-9387
Monday-Friday: 9AM-6PM EST
Saturday: By appointment
Average response time: 2 minutes
bhph@debexpert.com
We respond within 4 business hours
Selling your BHPH portfolio is a big decision. We understand that. That's why we start with education and information—not pressure. Get your free valuation, see what real market competition looks like, and make an informed decision on your timeline.
Whether you sell tomorrow or in 6 months (or not at all), you'll know exactly what your portfolio is worth. That knowledge alone is valuable.
Over 500 BHPH dealers trust Debexpert. Join them.
