Sell your BHPH portfolio on your terms.
Sell your BHPH portfolio your way — cash out the entire book, move just a slice for quick working capital, or lock in a no-recourse deal with zero clawbacks. Full, partial, or no-recourse: you choose the structure that fits your dealership.
Why it matters
One size never fit anyone.
Most note buyers hand you a take-it-or-leave-it offer built around a single formula. You lose leverage, you lose control, and often you leave money on the table.
At Auto Capital Express, we flip that. You tell us your goal — fast cash, less risk, lower collections overhead, or a full exit — and we structure the sale around it. Below are the three paths BHPH dealers use most.
Partial vs. full
Which sale makes sense for you?
The largest single payout, and collections + default risk completely off your plate. The trade-off: you give up the long-term income and customer relationships tied to your best-performing accounts. Right when you need serious capital fast, or you’re ready to step away from servicing entirely.
Unlock cash now while keeping a foot in the game. You decide which accounts to sell and which to keep servicing. Many dealers sell seasoned paper to fund fresh inventory, then keep originating — staying liquid without losing the whole book.
There’s no universally right answer. It comes down to your cash needs, your appetite for risk, and how much you value keeping those customer relationships. We’ll walk through both with you at no cost.
The no-recourse advantage
No-recourse means no surprises.
Some buyers dangle an attractive headline number, then tie a chunk of it to a “bonus pool” based on how your accounts perform after the sale. Months later, if those accounts underperform, that promised money quietly disappears.
What you’re quoted is what you’re paid. Simple.
Get Started →Common questions
BHPH portfolio sale FAQ
What’s the difference between a full and partial BHPH portfolio sale?+
A full sale means selling all of your outstanding auto notes in one transaction for a single lump sum, removing all future collections and default risk. A partial sale means selling only a chosen portion — such as seasoned accounts or a set dollar amount — so you get cash now while keeping the rest of your accounts and customer relationships.
What does a no-recourse program mean?+
You receive 100% of your payment at closing with no bonus pools, holdbacks, or performance-based clawbacks. Once the sale closes, the default risk transfers to the buyer. If a borrower defaults later, it’s the buyer’s responsibility — not yours.
Can I sell only part of my BHPH portfolio?+
Yes. A partial sale lets you choose which accounts or pools to sell and which to keep servicing. Many dealers sell seasoned paper to fund new inventory while continuing to originate loans.
How do I get a BHPH portfolio valuation?+
Send us your data file to begin, or contact us for a free, no-obligation valuation. You’ll receive a market estimate plus a straight recommendation on whether a full, partial, or no-recourse deal delivers the most value. Email sales@autocapitalexpress.com or call 832-757-1409.
Not sure which option fits? Let’s talk.
Send us your BHPH portfolio details for a free, no-obligation valuation — plus a straight recommendation on whether a full, partial, or no-recourse deal gets you the most value. No pressure. Just answers.
