Comprar y vender carteras de deuda en línea
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Cómo vender pagarés de automóvil de forma eficaz

Principales conclusiones:
Selling auto notes efficiently involves understanding the market, working with the right buyers, and leveraging strategies that maximize profit. This article explores the process in detail, providing insights and tools to help dealerships and financial entities make well-informed decisions and capitalize on their auto loan portfolio.

Many auto lenders, BHPH lenders, and dealerships sell notes regularly. Reasons to sell notes might include obtaining additional capital to issue new loans, securitization of an existing portfolio, sale of delinquent accounts, or obtaining market benchmarks.

The universal solution to all these problems is the trading Debexpert platform, which helps hundreds of bank and non-bank lenders to sell their auto notes and BHPH loans.

Sell Your BHPH Portfolio with Debexpert

BHPH loans are the most sensitive to the deterioration of the economy, job losses by debtors, and a decrease in the value of the collateral. Therefore, the sale of BHPH loans is a popular way to reduce risks for lenders because it allows fixing the profitability of loans issued and reduces the chances of non-repayment of debt. The main advantages of selling BHPH loans are:

Alto nivel de contacto de los prestatarios para este tipo de deuda

En la actualidad, las carteras de BHPH tienen una gran demanda entre los compradores de deuda, lo que les permite obtener precios razonables al vender cuentas morosas y exigibles. Los compradores de deuda consideran que los datos de contacto de los deudores son superiores a los de otros préstamos porque la emisión del préstamo y el pago de la deuda tuvieron lugar en un lugar concreto. Hay una alta probabilidad de que este deudor tenga información de contacto reciente y su lugar de residencia esté cerca de la emisión del préstamo, lo que simplificará la recuperación fiscal, si fuera necesario.

Alto precio para una cartera de deuda

Today, demand for this type of portfolio exceeds the supply, because the share of BHPH loans in the auto loan industry is growing. Debt buyers are happy to consider and buy goods using this type of debt. Suppose institutional debt buyers usually buy auto notes. When selling BHPH portfolios, the circle of buyers is broader and includes mid-size retail investors and other BHPH dealerships.

Rapidez de venta

Los compradores de deuda entenderán este producto, por lo que al evaluar la cartera, por regla general, no hay preguntas. Por lo tanto, la transacción se puede cerrar en unos pocos días cuando se utiliza un intermediario profesional.

¿Por qué vender sus pagarés de automóvil?

The most common reason for selling auto notes is to get new liquidity to issue new loans. Or auto notes are sold to save time collecting a non-performing debt. Let's look at this in more detail:

  1. When lenders or dealers face a shortage of funds for new loans, going to the bank is not always possible and profitable, so selling part of the portfolio becomes a beneficial option for the company because for such debt you can get up to 90% of the debt. And the money received can be spent on issuing new loans.
  2. You are getting market indicators about the current liquidation value of your portfolio. It can be suitable for understanding how to improve the capitalization of your business.
  3. Portfolio sales help lenders and dealers optimize their internal resources to control and collect debt.

Today, hundreds of auto lenders and dealers sell their portfolios using a forward flow mechanism (fixing the sale price on loans to be issued in the future), making the business's operating model more predictable and sustainable.

We Make Selling BHPH Notes Easy

Sellers don't have to be expert debt salespeople to get the best price for a portfolio. Debexpert has the unique experience of selling over 700 portfolios a year and a dedicated team that will do all the work for the loan originator. And best of all, Debexpert's platform is free for the seller.

6 Simple Steps to Turn Your Auto Notes into Cash

Step 1.  Debt Portfolio Analysis - The Debexpert team, will show you how to upload your portfolio from the system. After that, our analysts will perform an in-depth analysis and tell you about the strengths and weaknesses and market prices for similar portfolios.

Step 2. Sale Strategy - To maximize the return on the portfolio, you need to develop a selling strategy, namely whether to sell the portfolio as a whole or break it up into parts. How to group accounts by type of debt, what kind of sale to choose: Sealed Bid, English, Hybrid. When to publish your portfolio and how much time to give buyers for analysis. When selling, all these questions need to be considered, and the Debexpert team will be your best helper.

Step 3. Presale - The best sales results can be achieved if the buyers know about the portfolio sale, get answers to all their questions, and provide their offer in time.

Step 4. Buyer Competition - Debexpert has over 500 debt buyers who bid online, thus ensuring the maximum price for their debt portfolio.

Step 5. Close the deal - It is essential to use the right sales template for a successful sale and to sign it quickly with the buyer. Using a Debexpert Purchase Sale Agreement, the lender and debt buyer will always be protected, and electronic workflow will allow the contract to be signed within minutes.

Step 6. Post Sale - After the sale, the buyer may have questions about the documents or the specific debtor,—it's most convenient to answer questions and pass on additional information using the CRM system of Debexpert.

Testimonios

Tenemos cientos de vendedores y compradores satisfechos. Algunos de sus testimonios están por debajo:

  • Impresionante experiencia de trabajo con Great Debexpert Group

Very happy to work together with Debexpert group, especially Henry with excellent client service and their teamwork is very professional, helpful and knowledgeable they go the extra mile to close for any of the clients. I really admire his work ethics. He is very hardworking and always has answers to our questions .Best part is he's always available to help. I would highly recommend this service. Thank you

  • Comunicación y asistencia estupendas

Wonderful communication and support. I have always had all of my questions answered quickly, and everyone has been accommodating to make the process as easy as possible. I always look forward to seeing the new offerings, and am excited to be building a relationship with a great company!

  • GREAT COMPANY

THEY ARE EASY TO DEAL WITH AND VERY HELPFUL

Rep at debexpert.com makes working with the platform easy.

Our rep at debexpert.com has always been very proactively communicative, reaching out to make sure we are aware of trades that fit our buying box and easily accessible to answer questions and help facilitate the process.

  • I gave Debexpert 5 stars because they have excellent client service. They know their customers and check with them to make sure they have seen product that fits their criteria. Hitansh has been very helpful and knowledgeable.
  • There is a good variety of notes though some have very low balances. Customer service is good, and the turnaround time on answering questions is very short.

The top advantage of selling auto notes and BHPH loans is the immediate cash flow it provides. This quick cash infusion can be used to cover dealer capital expenses and can be a lifesaver for dealerships facing financial strain. However, it's important to consider potential disadvantages as well. For instance, selling a bulk portfolio of auto notes may affect the relationships a dealership has with its finance companies.

Arrow Acceptance, for example, is a finance company that prefers to work with dealerships that maintain their own account portfolios. If a dealership suddenly sells off a large portion of their accounts, it could harm their reputation with such finance companies.

On the other hand, selling auto notes can also free up credit lines, allowing dealerships to invest in new locations or expand their floor plan. It's a method that many dealerships have used successfully to grow their businesses.

When considering selling auto notes, it's important to review all closing documents carefully. Dealers should ensure they understand the terms of the sale, including how much they will receive for each note, and what happens if a debtor defaults on a new debt after the sale.

Dealer Capital Services can provide a purchase offer for auto notes, allowing dealers to compare this method of financing against traditional bank loans or lines of credit. They can also assist with the sale of banknotes, providing another potential source of quick cash.

What Debt Are We Selling? 

Looking For Auto Note Buyers?

Escrito por
Ivan Korotaev
Debexpert Consejero Delegado, Cofundador

More than a decade of Ivan's career has been dedicated to Finance, Banking and Digital Solutions. From these three areas, the idea of a fintech solution called Debepxert was born. He started his career in  Big Four consulting and continued in the industry, working as a CFO for publicly traded and digital companies. Ivan came into the debt industry in 2019, when company Debexpert started its first operations. Over the past few years the company, following his lead, has become a technological leader in the US, opened its offices in 10 countries and achieved a record level of sales - 700 debt portfolios per year.

  • Big Four consulting
  • Expert in Finance, Banking and Digital Solutions
  • CFO for publicly traded and digital companies

PREGUNTAS FRECUENTES

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¿Qué es una venta de cartera de préstamos para automóviles?

Una Venta de Cartera de Préstamos Automotrices transfiere el título a un comprador de deuda para cuentas de préstamos automotrices. La venta de cartera de préstamos para automóviles puede ser una venta de cuentas en ejecución o de cuentas incobrables‍.
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¿Por qué se venden los préstamos Buy Here Pay Here?

Los préstamos Buy Here Pay Here se venden para titulizar carteras de deuda existentes, realizar inyecciones de liquidez para originar nuevos préstamos, mejorar los ratios empresariales u optimizar los procesos operativos. Las razones pueden ser diferentes para cada prestamista, pero pueden resolverse vendiendo una cartera de deuda.‍
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¿Cuáles son las ventajas de vender sus pagarés de automóvil?

Vender sus pagarés de automóvil beneficia a los prestamistas porque ayuda a que el dinero vuelva a la empresa para emitir nuevos préstamos.‍
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Ejemplo de venta de cartera de préstamos para automóviles

Auto Loan Portfolio Sale can be performing, charged-offs, or auto deficiencies. Examples can be found on our website https://www.debexpert.com/debt-for-sale
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¿Cuánto dura el proceso de compra?

El proceso de compra dura varios días, durante los cuales los compradores analizan la cartera, deciden el precio de la cartera de deuda y hacen ofertas al vendedor‍.

¿Qué deuda vendemos?

Estamos especializados en préstamos para coches, inmuebles, consumo y tarjetas de crédito. Podemos vender cualquier tipo de deuda.
¿Le interesa comprar o vender carteras de deuda?
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