Predictable first advance
The initial advance is structured around Black Book wholesale value on an eligible vehicle, giving the desk a clearer capital target before contracting.
Independent dealer capital options
BHPH Dealer Line of Credit: Grow Your Portfolio Without Using Your Own Capital
Put eligible BHPH deals to work faster. Access predictable per-deal advances, professional servicing, and a growth path designed to help your dealership keep building.
24–48 hr typical funding after a complete approved package
Per-deal advance opportunities
No preset aggregate program limit
Start in about 60 seconds
Show Me My Capital Options
Share a quick portfolio snapshot. Jay will review the opportunity and send the secure data-file next step.
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Dealer and portfolio-level information only. Individual advances and program participation are subject to review, eligibility, documentation, and final agreements.
Capital that follows production
A dealer line of credit built around the BHPH loans you create.
Traditional capital products may be tied to inventory, existing receivables, or a fixed borrowing base. This program is designed around eligible new retail installment contracts, helping you recycle capital while building a professionally serviced portfolio.
Keep building deal by deal
Use qualifying advances to replenish inventory and originate additional BHPH contracts instead of tying up the dealership's own working capital.
Professional servicing included
Eligible accounts move into professional servicing, reducing internal payment-processing and account-management workload.
Flexible future exit
When you decide to sell eligible accounts, repay the outstanding advance without an early-payoff penalty and evaluate the remaining dealer equity.
The portfolio-growth loop
Advance. Service. Grow. Keep your options open.
Each eligible deal can support the next one. As volume, documentation, and performance build, a larger portfolio may qualify for higher future advance opportunities and create more strategic options, subject to current program rules and review.
Build My Portfolio- 1Create an eligible BHPH contractStructure the customer, vehicle, down payment, and amount financed around current program requirements.
- 2Receive the initial advanceAfter a complete package is approved and final documents are executed, typical funding is 24–48 hours.
- 3Move the account into servicingProfessional servicing handles contracted payments and ongoing account administration.
- 4Reinvest and repeatRecycle available capital into inventory and the next eligible deal.
- 5Hold, replace, or sell laterPreserve flexibility as the portfolio and dealership objectives change.
Compare the capital structure
Built differently from a traditional floorplan or portfolio-backed LOC.
Use the comparison to identify which type of capital matches the job. Exact terms vary by lender, collateral, documentation, and dealer profile.
| Decision point | Per-deal BHPH program | Inventory floorplan | Portfolio-backed LOC |
|---|---|---|---|
| Primary funding base | Eligible newly created contracts | Vehicle inventory | Existing receivables |
| Customer payments | Professionally serviced | Not normally included | Dealer or servicer continues collections |
| Growth use | Recycle eligible deal advances | Acquire inventory | Borrow against seasoned portfolio value |
| Early portfolio sale | No early-payoff penalty; other transaction charges may apply | Not the primary use | Payoff and release terms vary |
| Aggregate availability | No preset program-wide limit; each deal reviewed | Approved credit limit | Borrowing base and concentration limits |
More room when a loan fails early
A replacement path instead of an immediate traditional buyback.
If an eligible account fails during the initial replacement window, the dealer may have up to two months to place another qualifying customer in the same vehicle. Depending on the replacement and vehicle, another limited advance opportunity may remain.
Replacement timing, vehicle eligibility, any additional advance, and final treatment require program review and approval.
Account issueNotify the program team promptly
Up to 2 monthsIdentify and qualify a replacement customer
Review outcomeConfirm the replacement and any remaining advance eligibility
Ready for a real review?
Send the portfolio snapshot that lets us evaluate your options.
Complete the short form first so Jay knows who the file belongs to. Then export your current portfolio report and send it through the approved Auto Capital Express upload portal.
- 1Complete the capital review form
Tell us the dealership, contact, state, active-loan count, and portfolio balance.
- 2Export the current data file
Use the DealerCenter guide or Frazer guide when applicable.
- 3Upload and watch for Jay's reply
The team reviews the file and follows up with the most relevant capital path.
Build the complete capital strategy
Continue with practical BHPH dealer guidance.
Growth guideGrow a BHPH portfolio without tying up all your own capitalRead the guide →
Decision guideIs a dealer line of credit worth it for your BHPH store?Compare the options →
Comparison guideWhat to compare across BHPH line-of-credit programsUse the framework →
OperationsUnderstand professional auto-loan servicingExplore servicing →
LiquidityCompare full and partial portfolio-sale optionsSee sale structures →
Dealer toolsOpen the Auto Capital Express dealer resource directoryBrowse resources →
Dealer questions answered
Know how the program works before you send the first deal.
Start with the answers here, then use the short review form for a dealership-specific conversation.
Get My Funding ReviewWhat is a BHPH dealer line of credit?+
A BHPH dealer line of credit is a capital tool designed around the receivables an independent dealer creates. Under the Auto Capital Express program, qualifying dealers may receive an advance on each eligible BHPH transaction while building a professionally serviced portfolio. It is not a guaranteed bank credit line, and every deal remains subject to eligibility, documentation, and approval.
How quickly can an eligible deal be funded?+
Funding is generally available within 24–48 hours after a complete package is received, reviewed, approved, and all required final documents are completed. Missing information, title issues, document corrections, or other exceptions can extend the timeline.
Is there a limit on how much my dealership can receive?+
There is no preset aggregate program funding limit on the overall relationship. That does not guarantee unlimited capital: each transaction is reviewed separately, and every advance depends on current program guidelines, eligibility, documentation, and approval.
How is the advance determined?+
The advance framework is informed by verified Black Book wholesale value together with the complete vehicle, customer, contract, down-payment, and transaction review. No specific amount is guaranteed before approval.
What happens if a customer account fails?+
The program does not use a traditional immediate-buyback structure. Subject to program approval and the facts of the account, a dealer may have up to two months to replace a failed account with another qualifying contract in the same vehicle. Any replacement or additional advance is reviewed separately.
Who services the accounts?+
Eligible accounts are professionally serviced as part of the program. This may reduce the dealership's internal servicing burden and help create more consistent account records, although servicing does not guarantee account performance.
Can I sell the accounts later?+
Yes. A dealer may discuss a future sale of eligible accounts and repay the applicable outstanding advance balance. There is no early-payoff penalty under the stated program framework, although a separate transaction or closing charge may apply.
What should I send to begin?+
Complete the capital-review form with high-level dealership and portfolio information. If you already have a current deal or portfolio data file, use the Auto Capital Express upload portal. DealerCenter and Frazer users can follow the site's step-by-step export guides.
Your next deal can help fund the one after it
Stop choosing between selling cars today and building portfolio value tomorrow.
Share a 60-second snapshot, send the current data file, and let Auto Capital Express show you the capital paths available to your dealership.
This page provides general dealer-program information and is not a commitment to fund, guarantee of approval, or offer of specific terms. Program availability, advances, timing, servicing, replacement treatment, fees, portfolio-sale outcomes, and transaction terms depend on eligibility, documentation, review, approvals, and final agreements. Black Book and other third-party marks belong to their respective owners.
Program summary reviewed by Auto Capital Express on August 18, 2026. Confirm current requirements with Jay Keys before contracting.
