Buy Here Pay Here Bulk Purchase -

The primary source for 85% of BHPH inventory. Dealers buy "blocks" of older, high-mileage vehicles to keep costs low.

To maintain a high-turnover lot, BHPH dealers often buy vehicles in bulk to lower their per-unit cost. Since these dealerships typically target lower price points ($5,000–$10,000 retail), finding reliable, high-volume sources is critical. buy here pay here bulk purchase

In BHPH, a "broken car = broken payment." If the car dies, the customer almost always stops paying. The primary source for 85% of BHPH inventory

When an investor buys a portfolio, they buy it at a "discount" (e.g., buying $1M in total debt for $700k) to account for the high risk of default. Since these dealerships typically target lower price points

BHPH is a cash-intensive business. Once a dealer has loaned out all their capital to customers, they "run out of cash" but have a "portfolio of notes" (contracts). To get cash back to buy more cars, they sell these contracts in bulk to financial institutions. Key Terms in Bulk Portfolio Sales:

In the automotive industry, "Buy Here Pay Here" (BHPH) bulk purchasing refers to two distinct business actions: buying inventory in volume or investors purchasing entire portfolios of existing auto loans (contracts). 🚗 Dealer Inventory Acquisition (Bulk Stocking)