Subprime · in-house financing · payment-driven

Buy-here-pay-here

You carry the paper. Default rates matter. Repo workflows matter. The CRM most dealers use doesn't even know what a "weekly payment customer" is.

What hurts

Customer payment portal lives in a different system than the CRM and the DMS.
GPS / starter-interrupt devices have their own dashboard. Late payments require 3 systems to chase.
Default-rate calculation is a quarterly Excel exercise.
Customer comms during repo are inconsistent, sometimes legally questionable.

What we do about it

Built-in payment portal

Customers pay via ACH or card. Stripe-backed. Customer sees payment history + balance.

GPS + starter integration

Calamp + Spireon supported. Late-payment workflow auto-triggers warnings then disable.

Default-rate dashboard

Real-time. Cohort by month + by collateral type. Roll-rate transitions visible.

Compliant repo workflow

Pre-built customer comms (legally vetted per state) + audit log of every notice.

Receipt

A 200-account BHPH dealer in Texas
Default rate: 18% → 11% in 6 months
"Customers actually pay when the portal makes it easy. Our 30-day delinquency dropped 40% in the first quarter."

Pricing

Franchise plan + BHPH module · contact for pricing

Talk to us