Sell Your Notes.

Yes. Dealers may explore a partial portfolio sale when they want working capital but prefer to keep servicing other accounts. A full sale may be considered when the goal is a broader liquidity event or reduced collection exposure. The accounts, performance and documents determine which structures may be available.

A clean account export, current principal balances, payment histories, vehicle and VIN data, delinquency status, title or lien information, and the related contract documents can help establish a clearer picture. Begin with the Get Started page and follow secure instructions before sharing any nonpublic personal information.

Auto Capital Express reviews Buy Here Pay Here loan portfolios from dealers across the United States, including major markets in California, Michigan, Kansas, Ohio, Maryland, Virginia and other states. Availability and transaction terms depend on the specific portfolio and due diligence.

In a no-recourse sale, the buyer generally assumes defined post-closing account-performance risk under the final transaction documents. Exact responsibilities, representations and exceptions vary by agreement, so dealers should review the closing documents and obtain their own legal or tax advice.

Timing varies with portfolio size, data quality, document completeness and the questions identified during review. Organized records and prompt follow-up can help avoid preventable delays, but no specific closing or funding timeline is guaranteed.