Capital for in-house auto lending programs — BHPH Dealer Funding Group
We connect used car dealerships with institutional capital partners to finance subprime auto loan portfolios.
No hard credit inquiries for dealer principals.
- Deep subprime
- Portfolio advance
- Payment stream
- Repo recovery
- Default rate
- Lien perfection
- Dealer reserve
- Charge-off ratio
Buy Here Pay Here (BHPH) auto loan financing for car dealerships
Financing options matched to your situation, in one place.
- Portfolio Bulk portfolio advances Liquidity for your seasoned receivables to fund new inventory buys.
- Capital Revolving line of credit Flexible draws based on your monthly collections performance.
- Software Loan management tech Systems to automate payments and track compliance risks.
- Advisory Collections strategy Expert review of your underwriting standards to minimize charge-offs.
- $50K–$2M Funding line
- 24–48 hours Initial approval
- 95% Portfolio advance rate
How the money moves.
One soft check to match. One hard pull, and only from the lender you choose. That mechanism is why this is not a broker.
Direct lender access
- Skip the bank red tape and talk directly to subprime specialists.
- Get term sheets designed for the BHPH business model.
Compliance support
- Ensure all loan disclosures meet federal and state requirements.
- Avoid common pitfalls in subprime auto lending regulations.
Scalable liquidity
- Draw funds as you build your portfolio, not just up front.
- Grow your inventory faster with consistent cash flow.
Why the usual lenders say no.
Your revenue is real. The problem is the form. Here is why traditional underwriting turns away healthy operators in this space, and what we do differently.
Insufficient credit history
Banks want 700+ FICO scores and reject dealers without perfect business credit.
High default volatility
Traditional lenders fear subprime risk and volatility in your collections.
Lack of audited statements
Banks demand three years of expensive CPA audits.
What a funded request actually looks like.
Composite illustrative scenarios, not specific borrowers. Each is built from the kinds of requests this niche routinely sees.
Single-lot dealer
Purchasing aged inventory from auctions
Regional group
Acquiring a competitor's loan portfolio
Startup lot
Initial capital for first 20 loans
High-volume dealer
Upgrading loan management and tracking software
BHPH Compliance Training
Strengthen your team with mandatory compliance training modules. Ensure your staff follows federal guidelines for subprime lending and collections practices.