Read the full deal writeup
Sign up for a free Accredited account to read the editorial writeup, financials, and broker contact for this deal.
Get Free AccessFull Editorial Writeup
Profitable Buy Here Pay Here (BHPH) Auto Dealership with Integrated Finance Platform – Southeast U.S.... Businesses Franchises Brokers Loading... Profitable Used Car Dealership (Buy Here Pay Here (BHPH)) Alabama Asking Price:Not Disclosed Cash Flow (SDE):Not Disclosed EBITDA:$1,200,000 Gross Revenue:$5,400,000 Established:2001 Profitable Used Car Dealership (Buy Here Pay Here (BHPH)) Business Description Profitable used car dealership with growth potential! Profitable Buy Here Pay Here (BHPH) Auto Dealership with Integrated Finance Platform – Southeast U.S. Ad#:2517291 Detailed Information Inventory: $500,000Not included in asking price Employees: 8 Full-time Facilities: Well-located dealership facility with vehicle display areas, sales offices, and infrastructure supporting sales, financing, and collections. Assets include inventory, FF&E, technology systems, customer relationships, operating procedures, and goodwill. Competition: The Company operates in the growing BHPH market, serving customers underserved by traditional lenders. Competitive advantages include an established reputation, an experienced team, strong collections processes, and recurring finance income. Very limited competition in the area. Growth & Expansion: Opportunities include increasing inventory and sales volume by adding a salesperson, expanding digital marketing, growing the finance portfolio, adding locations, and introducing additional products and services. Support & Training: Seller will provide transition support, including training on operations, underwriting, collections, inventory sourcing, and key vendor relationships. Flexible post-closing assistance available to ensure a smooth transition. Reason for Selling: Owner is planning for eventual retirement Listing Statistics Saved This Listing Listing Last Updated Appeared in Search Listing Detail Views BizBuySell EDGE Know the True Market Value Before You Make an Offer Get valuation data to negotiate with confidence. Get a Valuation Report Business Listed By: Gus Jursch Harborstone Group View My Listings Phone Number 949-792-3166 Voice only (no SMS) Ad#:2517291 The information in this listing has been provided by the business seller or representative stated above. BizBuySell has no stake in the sale of this business, has not independently verified any of the information about the business, and assumes no responsibility for its accuracy or completeness. Read BizBuySell's Terms of Use before responding to any ad. Learn how to avoid scams. Contact Form Full Name* Enter a valid Full Name Phone Number Enter Phone Number Email Address* Enter Email Address Amount to Invest Purchase Timeframe 1-3 Months 3-6 Months 6+ Months Optional Message Yes, send me the Buyer Newsletter for popular businesses, tips, & email promotions. Optional: Check if you want to use IRA/401k funds ($75K+) to buy a biz - Guidant will call Send Message By clicking the button, you agree to BizBuySell’s Terms of Use and Privacy Notice Business Listed By: Gus Jursch Harborstone Group View My Listings Phone Number 949-792-3166 Voice only (no SMS) Your request has been sent. What Happens Next? is reviewing your details. A representative will reach out soon to discuss your options. Expect a response in 1-2 business days. Report an issue with this listing Similar Listings Car Dealerships for Sale All Businesses for Sale in Alabama High Income Alabama Gas Station Orange Beach, AL Asking: $300,000 $1.3 Mil Sales Alabama Gas Station Foley, AL Asking: $300,000 Expand Your Fleet: Multi-Bay Mechanic Shop in High-Traffic Area Jefferson County, AL Asking: $653,000 Christian Brothers Automotive Franchise Opportunity Cash Required: $85,000 ©2026 CoStar Group Send Message Listing Shared via Email a6301374279843840.cdn.optimizely.com a6301374279843840.cdn.optimizely.com is blocked This page has been blocked by an extension Try disabling your extensions. ERR_BLOCKED_BY_CLIENT Reload This page has been blocked by an extension Buy a Business Search for a Business Established Businesses Asset Sales How to Buy a Business Buy a Franchise Search Franchises For Sale Low Cost Franchises Restaurant and Food Franchises Business Opportunities Retail Franchises Sell a Business Sell a Business on BizBuySell Sell Multiple Businesses How to Sell a Business Value a Business Find a Broker Tools & Advice Learning Center Finance Center Market Insights Business for Sale Blog Business Brokers Find a Broker For Brokers My BizBuySell Dashboard My Business Selling My Listings Guide to Selling Add a New Listing Searching My Saved Listings My Saved Searches Franchise Recommendations BizBuySell Edge Edge Preferences Recommendations Location Insights BizBuySell Edge Edge Preferences Recommendations Location Insights Research Guide to Buying Valuation Reports Message Center My Mailbox My Inquiries Email Preferences Export Leads Account Account Settings My Billing Info BrokerWorks My BizBuySell Dashboard Leads Billing My Saved Listings My Saved Searches Account Sign Out Sign In reCAPTCHA Recaptcha requires verification. protected by reCAPTCHA
Why we like it
- Earnings Quality: $1.2M EBITDA on $5.4M revenue delivers clean 22% margins in a business model that generates both upfront sales profit and recurring finance income. BHPH dealers typically see 15-25% margins, putting this operation at the high end of the range with proven collections processes.
- Durability & Moat: Serves the underbanked subprime market that traditional lenders avoid, creating a defensible customer base with limited alternatives. The integrated finance platform generates recurring monthly payments over 2-4 years, smoothing cash flow and reducing dependence on new sales volume.
- Market Tailwinds: Rising interest rates and tighter credit standards are pushing more buyers into the subprime market, expanding the addressable customer base. Used car demand remains strong as new vehicle prices stay elevated, while BHPH customers typically need reliable transportation regardless of economic conditions.
- Operator Advantage: Established since 2001 with proven underwriting criteria and collections systems that can be scaled. The seller offers comprehensive transition support including training on operations, underwriting, inventory sourcing, and vendor relationships, reducing execution risk for a new owner.
How to improve it
- Sales Team Expansion: Add one additional salesperson to increase sales volume, targeting 20-30% revenue growth with minimal overhead increase. The listing specifically mentions this opportunity, suggesting current sales capacity constraints.
- Digital Marketing Overhaul: Implement targeted online advertising for subprime customers including social media campaigns, search marketing, and lead generation systems. BHPH customers often research online before visiting lots, making digital presence critical for market share capture.
- Inventory Optimization: Increase inventory levels and improve sourcing to reduce turn times and capture more sales opportunities. Current $500K inventory may be constraining sales volume, and better sourcing relationships could improve unit economics.
- Finance Portfolio Growth: Expand the loan portfolio by adjusting terms, improving approval rates for qualified buyers, and implementing upselling strategies. Larger portfolios generate more recurring income and improve overall business stability.
- Geographic Expansion: Add a second location in a nearby underserved market to leverage existing systems and expertise. The Southeast has numerous markets with limited BHPH competition that could support additional dealerships.
- Additional Revenue Streams: Introduce extended warranties, insurance products, GPS tracking systems, and maintenance services to increase per-customer revenue. These high-margin add-ons are standard in the BHPH industry.
- Collections Technology: Implement advanced collections software, payment reminders, and customer communication systems to reduce delinquencies and improve portfolio performance. Technology upgrades often pay for themselves in improved collection rates.
- Operational Efficiency: Streamline paperwork processes, implement CRM systems, and automate routine tasks to handle higher volume without proportional staff increases. Current 8-person team could likely support significantly more sales with better systems.
Diligence notes
- Portfolio Performance: Review loan loss rates, average collection periods, repossession frequency, and portfolio aging. BHPH success depends entirely on underwriting quality and collections effectiveness, making these metrics critical to valuation.
- Inventory Analysis: Verify inventory turnover rates, sourcing costs, reconditioning expenses, and pricing strategies. Examine relationships with auction houses and wholesale sources to ensure sustainable inventory acquisition at profitable margins.
- Regulatory Compliance: Confirm compliance with state lending regulations, dealer licensing requirements, and consumer protection laws. BHPH operations face significant regulatory scrutiny that varies by state and can impact profitability.
- Competition Assessment: Validate claims of limited local competition by mapping nearby BHPH dealers, traditional dealers, and buy-here-pay-here operations. Market saturation directly impacts pricing power and customer acquisition costs.