#1 BHPH Portfolio Auction Platform in the USStop Accepting Lowball Offers.
Sell Your BHPH Notes to 100+ Competing Buyers
Get real market value through competitive auctions. No-recourse options. Close in days, not months. Zero seller fees.
Get Free Portfolio Valuation
View Active AuctionsResponse in 24 hours•No obligation•Zero fees
Debt Auctioning Platform Trusted by Over 500 BHPH Dealers, Lenders and Financial Institutions
Why BHPH Dealers Are Frustrated
For years, dealers had limited options: one buyer who dictates the price, or a broker with 2-3 contacts. Either way, you're leaving money on the table.
One Buyer = Lowball Offers
Work with a single buyer who gives you a take-it-or-leave-it price with zero leverage.
Hidden Cost: Most dealers accept the first offer, unaware they could get 20-30% more.
Debexpert Solution
100+ active buyers compete in a transparent, 1-hour auction. Real competition drives prices up.
Result: 20-30% higher sale price vs. single-buyer offers
"Bonus Pools" Never Get Paid
Attractive headline number, but 20-30% tied to future portfolio performance.
Hidden Cost: Wait 60-90 days only to receive 60-70% of promised amount.
Debexpert Solution
Multiple buyers offering no-recourse deals: 100% payment at closing. No clawbacks.
Result: Know exactly what you're getting before signing
Losing Customer Relationships
Sell notes → buyer takes over → customer relationship transfers completely.
Hidden Cost: Repeat business is BHPH lifeblood. Aggressive tactics reflect poorly on YOU.
Debexpert Solution
Servicing Retained option: continue managing customers, earn servicing revenue.
Result: Protect your brand. Keep future business.
Compliance Nightmares
Sell to unknown buyer → hope they follow FTC Safeguards Rule.
Hidden Cost: You're legally responsible for third-party violations. Fines up to $51,744 per violation.
Debexpert Solution
All buyers undergo strict compliance verification. End-to-end encrypted transfers.
Result: Sleep soundly knowing your data is protected
Sound familiar?
There's a better way. Let us show you how selling on Debexpert actually works.
See How It Works
4 Steps to Sell Your BHPH Notes
From initial valuation to cash in your account. Average total time: 18 days
Free Portfolio Analysis
Upload your portfolio data from any DMS system. We integrate with DealerTrack, RouteOne, Frazer, and all major systems.
Completely free. Zero obligation.
Auction Setup & Strategy
Your dedicated account manager helps you choose the perfect auction type and deal structure.
Live Auction & Bidding
Watch in real-time as buyers compete for your portfolio. See every bid, chat with bidders, review buyer profiles.
You're NOT obligated to accept the highest bid.
Close & Get Paid
Accept a winning bid, we handle documentation and due diligence. Buyer wires funds directly to you.
Average: 18 days from start to payment
82-95%
Average Sale Price (performing)
8-12
Average Auction Bids
20-30%
More vs Single Buyer
18 days
Average Close Time
Or call us: (302) 703-9387
Pros & Cons of Selling BHPH Notes
Unlike traditional buyers who only tell you what you want to hear, we believe in transparency.
Advantages
Immediate Cash Flow
Get a lump sum today instead of waiting years for payments.
- Reinvest in inventory during peak seasons
- Pay off expensive floorplan lines
- Fund expansion or marketing
Eliminate Collection Burden
Free up staff time and resources currently spent on collections.
- Save on collections department costs
- Eliminate skip-tracing expenses
- Focus on selling cars, not chasing payments
Reduce Portfolio Risk
Transfer default risk to the buyer.
- Protection against economic downturns
- Eliminate vehicle depreciation risk
- No more customer bankruptcies to worry about
Capital Without Debt
Get money without bank loans or giving up equity.
- No interest payments
- No personal guarantees
- Maintain 100% ownership
Common Concerns (And How We Solve Them)
"You'll make less money long-term"
Factor in defaults (10-30%), collection costs (5-10%), and time value of money. Actual net collecting yourself: often only 60-75%.
Debexpert Solution:
Auction format gets 20-30% more than single-buyer offers. Sell only non-performers, keep performers.
"You'll lose customer relationships"
30-40% of BHPH customers return for another vehicle within 3 years. This is valuable.
Debexpert Solution:
Servicing Retained option: YOU continue managing the customer relationship and earn 1-3% monthly servicing revenue.
"Aggressive collectors will damage reputation"
This is a legitimate concern with unvetted buyers.
Debexpert Solution:
All 100+ buyers pre-screened for compliant practices. Review buyer reputation before accepting their bid.
"Compliance risks with third parties"
FTC Safeguards Rule holds you liable for vendor breaches. Fines: $51,744 per violation.
Debexpert Solution:
All buyers undergo strict verification. End-to-end encryption. SOC-2 certified platform. Full audit trails.
The Bottom Line
The disadvantages are real, but manageable with the right platform. The question isn't "Should I sell?" — it's "How do I sell smartly?"
Debexpert vs. Traditional Methods
See exactly how selling on Debexpert compares to working with traditional buyers or brokers.
| Feature | TraditionalSingle Buyer | TraditionalBroker | Debexpert Auction Platform |
|---|---|---|---|
Number of Buyers | 1 | 2-3 | 100+MOST |
Price Discovery | Take-it-or-leave-it | Limited negotiation | Competitive bidding |
Average Price | Baseline | 5-10% higher | 20-30% higherBEST |
No-Recourse Options | Rare | Rarely | Commonly available |
Servicing Retained | |||
Compliance Verification | Unknown | Minimal | 100% verified |
Seller Fees | 0% | 5-10% | 0% |
Closing Time | 45-90 days | 30-60 days | 18 days avgFAST |
Price Transparency | None | Low | Full visibility |
Buyer Vetting | None | None | All verified |
Platform Technology | Phone/Email | Excel | Full platform + App |
Data Security | Unknown | Basic | End-to-end encrypted |
Audit Trail |
Key Takeaway
With traditional buyers, you get convenience.
With Debexpert, you get convenience AND 20-30% more money AND better protection.
Sell Any Type of BHPH Portfolio
Every type of auto note has value. Different buyers specialize in different assets.
Performing BHPH Notes
Current on payments (0-30 days)
Who Buys
Institutional investors, family offices, hedge funds
Seasoned Notes (6+ Months)
Proven payers with track record
Who Buys
Premium institutional buyers
Non-Performing / Charged-Off
60+ days delinquent
Who Buys
Collection agencies, legal firms, NPL investors
Deficiency Balances
Remaining balance after repo
Who Buys
Legal firms, judgment specialists
Skip Accounts
Lost contact with borrower
Who Buys
Skip-tracing specialists
Bulk / Mixed Portfolios
Combination of all types
Who Buys
Multiple buyer types per segment
Not sure which category your portfolio fits?
Our analytics team will categorize everything during your free valuation.
100+ Buyers Ready to Compete
The largest network of verified BHPH portfolio buyers in the US. More buyer types = more competition = better pricing.
Institutional Investors
Banks, credit unions, pension funds, and insurance companies.
What They Buy
- Performing BHPH notes
- Large portfolios ($1M+)
- Seasoned accounts
Typical Pricing
85-95%
Collection Agencies
Licensed collection companies with skip-tracing capabilities.
What They Buy
- Non-performing (60+ days)
- Charged-off portfolios
- Deficiency balances
Typical Pricing
15-35%
Other BHPH Dealers
Multi-location operators seeking economies of scale.
What They Buy
- Performing accounts
- Geographic-specific
- $100K-$500K deals
Typical Pricing
80-90%
Family Offices
Private wealth managers seeking alternative investments.
What They Buy
- Unique portfolios
- Higher-yield opportunities
- Flexible structures
Typical Pricing
82-93%
Legal Firms
Law firms and judgment purchasers with litigation capabilities.
What They Buy
- Deficiency balances
- Large-balance accounts
- Judgment potential
Typical Pricing
5-20%
Hedge Funds
Distressed debt specialists with large transaction capability.
What They Buy
- Large NPL ($5M+)
- Bulk charged-offs
- No-recourse deals
Typical Pricing
20-40%
100+
Active Buyers
8-12
Avg Bids Per Auction
6
Buyer Types
100%
Verified
What BHPH Dealers Say
700+
Portfolios Sold Annually
500+
Active BHPH Dealers
4.6/5
Trustpilot Rating
18 Days
Average Close Time
20-30%
Higher vs Single Buyer
$847M+
Total Volume Traded
"We listed 100 accounts"
March Motors listed over 100 accounts, totaling approximately $1.4 million on Debexpert. They attracted diverse buyers including BHPH bulk purchasers, family offices, and investors.
Jason
March Motors
Florida"Exceeded expectations by 2.5 times"
The Debexpert team helped us with NPL auctions. They set clear expectations and not only met them but exceeded them by two and a half times. Very pleased with the results.
Corey J. Oliver
"Servicing-retained was a game-changer"
I was worried about losing customer relationships. The servicing-retained option let us keep servicing 80% of accounts. We got cash AND kept customers for future sales.
Anonymous
"I was leaving 30% on the table"
After 15 years with the same buyer, I thought I was getting fair prices. Debexpert showed me I was leaving 30% on the table. Now I auction every portfolio.
Multi-location Owner
"The team was extremely helpful"
Carlos, Henry, and Mike made the process simple. They handled everything from data formatting to buyer communications. I would HIGHLY recommend them.
Lizette Gonzalez, Director of Operations
"Got top dollar for our accounts"
Debexpert provided numerous buyers for our portfolio. They got top dollar for our accounts. Henry did a great job ensuring the process went smoothly.
Andy, CFO
Your Questions Answered
Everything you need to know about selling your BHPH portfolio.
Most Popular Questions
Still have questions? We're here to help.
Ready to See What Your Portfolio Is Worth?
Stop accepting one buyer's offer. Let 100+ investors compete for your business.
"Got 30% more than our previous buyer offered"
— March Motors, Florida
Prefer to Talk?
(302) 703-9387
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