We're not a national bank with a Texas zip code. We're the people who pick up the phone, drive out to your lot, and know the OCCC by first name.
Pick the piece you need — most dealers use all four. Same phone call, same people, same Texas handshake.
The Office of Consumer Credit Commissioner regulates credit access companies in Texas. We've walked hundreds of dealers through licensing, renewal, exam prep, and panic calls after an OCCC letter.
We know the OCCC examiners by name. We've been in the room when they've walked dealers through what they need.
Talk to a consultantGarage liability, open-lot coverage, service work, dealer plates — packaged for Texas independent and BHPH dealers. Quotes in a day, not a week, from carriers that actually understand the lot business.
We work with carriers who know what a BHPH lot actually looks like — not a franchise store with free coffee.
Get a quoteThe two systems most Texas BHPH lots actually run on, set up by someone who's used them. Inventory, loan accounting, payments, website, photos and inventory feeds — talking to each other.
We don't just sell you software. We configure it, train your people, and make sure your inventory feeds to all the right places.
Get a demoCrossbow Group and Economy GPS for collateral protection. ASC warranties to add gross to every deal. We resell, configure, and support the stuff that pays for itself.
These aren't costs — they're profit centers. We'll show you how to bundle them into every deal.
See programsTurn aging paper into working capital. We buy sub-prime receivables, payment streams, and full BHPH portfolios — small lots welcome. Same-day approvals on most files, maximum cash advance, no sign-up fees.
We've been buying paper since 1962. We know what sub-prime looks like — and we know how to price it right.
Submit a portfolio