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Understanding How to Sell Auto Notes Efficiently

Key takeaways:
Selling auto notes efficiently involves understanding the market, working with the right buyers, and leveraging strategies that maximize profit. This article explores the process in detail, providing insights and tools to help dealerships and financial entities make well-informed decisions and capitalize on their auto loan portfolio.

Many auto lenders, BHPH lenders, and dealerships sell notes regularly. Reasons to sell notes might include obtaining additional capital to issue new loans, securitization of an existing portfolio, sale of delinquent accounts, or obtaining market benchmarks.

The universal solution to all these problems is the trading Debexpert platform, which helps hundreds of bank and non-bank lenders to sell their auto notes and BHPH loans.

Sell Your BHPH Portfolio with Debexpert

BHPH loans are the most sensitive to the deterioration of the economy, job losses by debtors, and a decrease in the value of the collateral. Therefore, the sale of BHPH loans is a popular way to reduce risks for lenders because it allows fixing the profitability of loans issued and reduces the chances of non-repayment of debt. The main advantages of selling BHPH loans are:

High level of contact of borrowers for this type of debt

BHPH portfolios are in great demand among debt buyers today, which allows them to get reasonable prices when selling performing and non-performing accounts. Debt buyers believe that the contact data of debtors is higher than that of other loans because the loan issuance and debt payment took place at a specific location. There is a high probability that this debtor will have fresh contact information and his place of residence is near the loan issuance, which will simplify the tax repossession, if necessary.

High price for a debt portfolio

Today, demand for this type of portfolio exceeds the supply, because the share of BHPH loans in the auto loan industry is growing. Debt buyers are happy to consider and buy goods using this type of debt. Suppose institutional debt buyers usually buy auto notes. When selling BHPH portfolios, the circle of buyers is broader and includes mid-size retail investors and other BHPH dealerships.

Speed of sale

Debt buyers will understand this product, so in evaluating the portfolio, there are no questions as a rule. Therefore, the transaction can be closed in a few days when using a professional intermediary.

Why Sell Your Auto Notes?

The most common reason for selling auto notes is to get new liquidity to issue new loans. Or auto notes are sold to save time collecting a non-performing debt. Let's look at this in more detail:

  1. When lenders or dealers face a shortage of funds for new loans, going to the bank is not always possible and profitable, so selling part of the portfolio becomes a beneficial option for the company because for such debt you can get up to 90% of the debt. And the money received can be spent on issuing new loans.
  2. You are getting market indicators about the current liquidation value of your portfolio. It can be suitable for understanding how to improve the capitalization of your business.
  3. Portfolio sales help lenders and dealers optimize their internal resources to control and collect debt.

Today, hundreds of auto lenders and dealers sell their portfolios using a forward flow mechanism (fixing the sale price on loans to be issued in the future), making the business's operating model more predictable and sustainable.

We Make Selling BHPH Notes Easy

Sellers don't have to be expert debt salespeople to get the best price for a portfolio. Debexpert has the unique experience of selling over 700 portfolios a year and a dedicated team that will do all the work for the loan originator. And best of all, Debexpert's platform is free for the seller.

6 Simple Steps to Turn Your Auto Notes into Cash

Step 1. Β Debt Portfolio Analysis - The Debexpert team, will show you how to upload your portfolio from the system. After that, our analysts will perform an in-depth analysis and tell you about the strengths and weaknesses and market prices for similar portfolios.

Step 2. Sale Strategy - To maximize the return on the portfolio, you need to develop a selling strategy, namely whether to sell the portfolio as a whole or break it up into parts. How to group accounts by type of debt, what kind of sale to choose: Sealed Bid, English, Hybrid. When to publish your portfolio and how much time to give buyers for analysis. When selling, all these questions need to be considered, and the Debexpert team will be your best helper.

Step 3. Presale - The best sales results can be achieved if the buyers know about the portfolio sale, get answers to all their questions, and provide their offer in time.

Step 4. Buyer Competition - Debexpert has over 500 debt buyers who bid online, thus ensuring the maximum price for their debt portfolio.

Step 5. Close the deal - It is essential to use the right sales template for a successful sale and to sign it quickly with the buyer. Using a Debexpert Purchase Sale Agreement, the lender and debt buyer will always be protected, and electronic workflow will allow the contract to be signed within minutes.

Step 6. Post Sale - After the sale, the buyer may have questions about the documents or the specific debtor,β€”it's most convenient to answer questions and pass on additional information using the CRM system of Debexpert.


We have hundreds of satisfied sellers and buyers. Some of their testimonials are below:

  • Awesome Experience Working with Great Debexpert Group

Very happy to work together with Debexpert group, especially Henry with excellent client service and their teamwork is very professional, helpful and knowledgeable they go the extra mile to close for any of the clients. I really admire his work ethics. He is very hardworking and always has answers to our questions .Best part is he's always available to help. I would highly recommend this service. Thank you

  • Wonderful communication and support

Wonderful communication and support. I have always had all of my questions answered quickly, and everyone has been accommodating to make the process as easy as possible. I always look forward to seeing the new offerings, and am excited to be building a relationship with a great company!



Rep at makes working with the platform easy.

Our rep at has always been very proactively communicative, reaching out to make sure we are aware of trades that fit our buying box and easily accessible to answer questions and help facilitate the process.

  • I gave Debexpert 5 stars because they have excellent client service. They know their customers and check with them to make sure they have seen product that fits their criteria. Hitansh has been very helpful and knowledgeable.
  • There is a good variety of notes though some have very low balances. Customer service is good, and the turnaround time on answering questions is very short.

The top advantage of selling auto notes and BHPH loans is the immediate cash flow it provides. This quick cash infusion can be used to cover dealer capital expenses and can be a lifesaver for dealerships facing financial strain. However, it's important to consider potential disadvantages as well. For instance, selling a bulk portfolio of auto notes may affect the relationships a dealership has with its finance companies.

Arrow Acceptance, for example, is a finance company that prefers to work with dealerships that maintain their own account portfolios. If a dealership suddenly sells off a large portion of their accounts, it could harm their reputation with such finance companies.

On the other hand, selling auto notes can also free up credit lines, allowing dealerships to invest in new locations or expand their floor plan. It's a method that many dealerships have used successfully to grow their businesses.

When considering selling auto notes, it's important to review all closing documents carefully. Dealers should ensure they understand the terms of the sale, including how much they will receive for each note, and what happens if a debtor defaults on a new debt after the sale.

Dealer Capital Services can provide a purchase offer for auto notes, allowing dealers to compare this method of financing against traditional bank loans or lines of credit. They can also assist with the sale of banknotes, providing another potential source of quick cash.


What Debt Are We Selling?Β 

Looking For Auto Note Buyers?


Written by
Ivan Korotaev
Debexpert CEO, Co-founder

More than a decade of Ivan's career has been dedicated to Finance, Banking and Digital Solutions. From these three areas, the idea of a fintech solution called Debepxert was born. He started his career in Β Big Four consulting and continued in the industry, working as a CFO for publicly traded and digital companies. Ivan came into the debt industry in 2019, when company Debexpert started its first operations. Over the past few years the company, following his lead, has become a technological leader in the US, opened its offices in 10 countries and achieved a record level of sales - 700 debt portfolios per year.

  • Big Four consulting
  • Expert in Finance, Banking and Digital Solutions
  • CFO for publicly traded and digital companies



What Is an Auto Loan Portfolio Sale?

An Auto Loan Portfolio Sale transfers the title to a debt buyer for auto loan accounts. Auto Loan Portfolio Sale can be either performing or charged-off accounts sale.‍

Why Are Buy Here Pay Here Loans Sold?

Buy Here Pay Here Loans are sold to securitize existing debt portfolios, make cash injections to originate new loans, improve business ratios or optimize operational processes. Reasons may differ for each lender but can be resolved by selling a debt portfolio.‍

What Are the Benefits of Selling Your Auto Notes?

Selling Your Auto Notes benefits lenders because it helps get money back into the company to issue new loans.‍

Auto Loan Portfolio Sale Example

Auto Loan Portfolio Sale can be performing, charged-offs, or auto deficiencies. Examples can be found on our website

How Long Does the Purchase Process Take?

The buying process takes several days, during which buyers analyze the portfolio, decide on the price of the debt portfolio, and make offers to the seller.‍

What debt are we selling

We specialize in car, real estate, consumer and credit cards loans. We can sell any kind of debt.
Interested in buying or selling debt portfolios?
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