BHPH portfolio review

Start a Confidential Review.

Start with non-sensitive dealership information, then move to the right secure next step only if additional file review is needed.

Start My Review Request Talk with our team(832) 757-1409

Confidential first stepBegin with dealership-level information before sharing account-level data.

Clear next-step guidanceUnderstand what information matters and when a secure transfer path is needed.

Responsive dealer communicationDealer-focused conversation about scope, timing, and review readiness.

Independent-dealer focusBuilt around BHPH operations, documentation, and portfolio preparation.

Structured review processEvaluation, diligence, and closing steps depend on the specific file and final terms.

Advance rate, eligibility, pricing, and timing depend on the portfolio, documentation, review, and final terms.

Portfolio review form

Start here. Get your next step.

JavaScript is required to display this form. Open the portfolio form in a new tab.

Open the portfolio form in a new tab or call 832-757-1409. Do not send borrower names, Social Security numbers, payment histories, account documents, or other nonpublic customer information through ordinary email.

See the review steps

Sell Your BHPH Portfolio 5 Steps in a Potential Portfolio Review

Use the tabs below to review a practical outline of how a potential portfolio review may progress. Start with non-sensitive dealership information, then move to the appropriate secure next step only if needed.

YOU start the review
Start with the form above for non-sensitive dealership information. If account-level information is needed, Auto Capital Express will confirm the appropriate secure transfer step.
WE review the initial information
We review the initial details, identify the next step, and explain what additional information may be needed. Timing depends on the portfolio, documentation, and review path.
YOU provide requested files securely
Submit your requested documents on our easy to use, secure document upload site.
WE begin due diligence review
We review your submitted documents.
YOU complete closing steps if the review advances
Upload closing documents through the approved secure portal if the review advances. Closing, funding, and timing depend on final documentation, approvals, and transaction terms.

GET STARTED NOW

Step 1: YOU Start the Review

For Frazer Users: If you use Frazer as your DMS, you can send a file to us by clicking the “Customer” tab, then select “Upload to Finance Company”. Locate Auto Capital Express and Frazer will take care of the rest!

For All Other DMS Providers:

If you have a DMS other than Frazer, export your data in Excel or spreadsheet format so it is ready if requested. Start with the form above or by phone, and do not send borrower names, Social Security numbers, account documents, payment histories, or other nonpublic customer information through ordinary email.

For Dealers with No DMS: If you do not use a DMS, contact Auto Capital Express for a high-level review conversation about your dealership, goals, and portfolio scope. Use the form above or call 832-757-1409, and keep borrower information out of ordinary email.

Step 2: WE Review the Initial Information

After receiving your initial information, Auto Capital Express may complete the following review steps to determine whether the opportunity should advance:

Review the Data File : (Review all aspects of risk contained in a loan file. By completing a comprehensive loan file review, our buyers have the accurate information needed to price, acquire and service the assets.)
Check LTV% Ratio: (The loan-to-value (LTV) ratio is a financial term used by lenders to express the ratio of a loan to the value of an asset purchased)
Calculate Risk Ratio ( risk ratio (RR) is the ratio of the probability of an event occurring)
Match the accounts that fit the given Finance Program
Generate a Purchase Offer or (LOI- Letter Of Intent) for your loans

If the review advances, Auto Capital Express will explain the next documents, timing, and response path. Progress depends on file quality, documentation, diligence, approvals, and final terms.

Step 3: YOU Provide Requested Files Securely

If the review advances and additional diligence is needed, Auto Capital Express will provide the requested document list and the approved secure transfer method.

Loan and Customer Documents:

Copy of the Original Contract
Copy of the Credit Application
Updated Payment histories
Copy of Buyer’s Order or Bill of Sale
(If applicable) Copy of Disclosures for GPS, GAP, or Warranty.

New Dealers Will Also Need the Following:

Articles of Incorporation (only applies to corporation or LLC)
Surety Bond
Copy of Dealer License
Copy of Business Card
Copy of Finance License
Copy of Owner’s Drivers License

Step 4: WE Begin Due Diligence Review

After we receive all listed documents we will begin the Due Diligence Review. During this step of the process we will:

Check accounts to see if any customers are 10-20 days past due.
Contact customers to verify accounts
Generate a Final Loan List

Due Diligence help our buyers understand all aspects of risk contained in a loan file. By completing a comprehensive loan file review, our buyers have the accurate information needed to price, acquire and service the assets. Our reviews include validation of critical data points and identification of credit, vehicle valuation, compliance, and fraud risk in specific portfolios.

Step 5: YOU Complete Closing Steps if the Review Advances

If the review advances to closing preparation, Auto Capital Express will explain the final list for review and the documents needed for the next secure step:

Original Contract
Original Credit Application
Updated Payment Histories
Copy of Buyer’s order or Bill of sale
Copy of disclosures for GPS, GAP, or warranty if applicable.

If the opportunity advances through diligence, the parties will complete final documentation, approvals, and written agreements before any closing. Timing and funding depend on the final transaction terms.

Questions? Email us at sales@autocapitalexpress.com for general, non-sensitive questions, or call 832-757-1409.

GET STARTED NOW

Start here. Get your next step.

Sell Your BHPH Portfolio 5 Steps in a Potential Portfolio Review

YOU start the review

WE review the initial information

YOU provide requested files securely

WE begin due diligence review

YOU complete closing steps if the review advances

Step 1: YOU Start the Review

For All Other DMS Providers:

For Dealers with No DMS: If you do not use a DMS, contact Auto Capital Express for a high-level review conversation about your dealership, goals, and portfolio scope. Use the form above or call 832-757-1409, and keep borrower information out of ordinary email.