Who we serve
Different lenders.
Different risk. One standard.
A credit union's charged-off member loan and a BHPH dealer's third-repo unit are not the same job. Each portfolio carries its own asset class, credit profile, and compliance exposure — and our process adapts to each one without lowering the documentation standard.
Member-owned lendersCredit Unions
Prime / near-primeDirect auto & member loansExaminer-ready docs
Visit our credit union page →Credit union portfolios run prime and near-prime — lower delinquency, fewer repossessions, and every single one involves a member relationship the institution wants to protect. When a repo does happen, the standard is higher: NCUA examiners, board oversight, and a community reputation on the line.We handle member vehicles with restraint and respect, keep redemptions simple, and deliver documentation your examiners will actually compliment. There's a reason we built a dedicated page for credit unions.
Buy here, pay hereBHPH Dealers
Deep subprimeHigh-velocity portfoliosGPS-equipped units
BHPH lending is the deep end: subprime buyers, older higher-mileage collateral, and charge-off timelines measured in weeks, not quarters. Recovery speed directly drives whether that unit sells again on your lot or dies as a loss.Fast turnarounds, straightforward per-unit pricing, GPS ping-to-pickup workflows, and lot-to-lot logistics so the unit is back in your inventory — not sitting in storage.
Banks & captivesNationwide & Captive Lenders
Prime-to-subprime at scaleSLA-drivenPlatform integrations
National banks and captive finance arms manage risk across every credit tier and every state — what they need from an agent is consistency: SLA compliance, clean data, and zero compliance surprises in any jurisdiction.We work inside your assignment platforms, hit response-time expectations, and return the same documentation package on unit one and unit one thousand.
Assignment networksForwarders & Portfolio Managers
Volume assignment flowsScorecard-managed4-state direct coverage
Forwarders live and die by their agent scorecards: recovery rate, days-to-repo, condition report quality, and claims history. A weak agent in one market drags the whole network's numbers.Direct coverage in AL, CO, GA, and WY with our own trucks and agents — the numbers a forwarder wants on the scorecard, plus clean, complete reporting that keeps your lender clients off your back.
Special situationsSkip & Insurance
Hard-to-locate collateralTotal loss & salvageOSINT skip tracing
Skips and insurance work are a different discipline: collateral that doesn't want to be found, total-loss units stuck in tow yards, and salvage that loses value every day it sits. Success here is investigation first, tow truck second.In-house skip tracing — address verification, employer searches, neighborhood canvassing, OSINT analysis — plus impound release handling and transport to your salvage or auction channel.
Tell us about your portfolio.
Tailored services and pricing for your asset class, credit tier, and risk profile.