How Successful BHPH Dealers Build Their Business

If you were to ask 1,000 BHPH dealers what one suggestion they would give to other dealers wanting to build their business…most would say “have access to capital”. Yes, it does take money to make money – especially in the BHPH industry. The average ACV has gone up $1,200 the past 2 years, while down payments decreased $117.

The second suggestion is to “keep your customer”. In the competitive BHPH market dealers need to do everything they can to keep their customers happy.

SDA has been providing capital to BHPH dealers nationwide since 1990. While SDA has many flexible programs – the central theme is that the dealers collect their own accounts and maintain that very important customer relationship.

If you are interested in dealing with one of the oldest, most established providers of capital in the BHPH industry, contact SDA at 800-467-5172 or

SDA Lets You Raise Capital, Keep Your Customers

The credit crunch from several years ago appears to have subsided somewhat as many new companies have surfaced in the subprime auto industry. Compared to six years ago the sources of capital have flip flopped. Upwards of $1 billion of new capital has entered the business in the last three years. In the long term this may not be totally positive – the increased competition has allowed some traditional buy-here, pay-here customers to drive new cars. While this temporarily takes away business from some buy-here, pay-here dealers – the common sentiment is that the customer will return soon. The increased competition has led to lengthening loan terms and rising loan-to-value ratios – a recipe for higher losses. As losses increase many of the new players will shift gears and leave the marketplace. Dealers need to keep this short term phenomenon in mind and associate themselves with some of the trusted long-term providers of capital within the industry. Small Dealers Assistance (SDA) in Atlanta has been one of those consistent capital providers to the buy-here, pay-here industry. For over 24 years SDA has been providing capital to buy-here, pay-here dealers nationwide. SDA provides dealers capital from $10,000 to $1,000,000 and always lets the dealer continue to collect their notes. SDA’s Income Stream Program is the ideal method for buy-here, pay-here dealers to raise capital without giving up control of their customer base. In addition to being one of the oldest, most established, suppliers of capital to the buy-here, pay-here industry, SDA pays the highest advance in the industry – up to 90 percent. SDA provides the money that buyhere, pay-here dealers need, without the negative consequences usually associated with selling your accounts. The dealers that have developed true wealth within the buy-here, pay-here industry have been those who have managed to hold on to their accounts. SDA understands that to run a successful buy-here, pay-here operation access to capital is essential. Whether you are upgrading your inventory, expanding a new or existing lot, loading up on inventory prior to tax time or simply helping stabilize your cash flow needs, SDA can help. For more information on how SDA can provide your buy-here, pay-here dealership capital visit or call (800) 467-5172.

Keep those BHPH Customers paying at your Lot!

Studies show that almost 50% of dealership sales are from repeat and referral business.  Savvy dealers really get to know their customer base — because those same customers will bring them more customers!

Buy Here-Pay Here (BHPH) dealers  work hard to bring customers to their lot — why would any BHPH dealer disrupt that valuable customer interaction?

Outsourcing your collection efforts by either selling off your accounts or hiring a third party to collect the accounts may not be the smartest idea.

Dealers do all they can to KEEP their customers — not give them away.

The tricky part is trying to feed a cash hungry machine called buy here-pay here and build your customer base at the same time.

For over 25 years SDA has been the answer for dealers nationwide who want to control their customer base yet need to occasionally raise cash to keep their BHPH business growing.

SDA allows dealers to continue collecting their accounts and build their loyal customer base — unlike other buy here-pay here capital providers.