Auto Dealer Insights
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BHPH Payment Policies: Weekly vs Biweekly vs Monthly (and How to Reduce Delinquencies)
Payment frequency should directly align with customer paycheck realities. Discover how the right BHPH policy improves cash flow and lowers delinquency, provided your reminders and posting are disciplined.
Joshua Aaron
01/13/2026
BHPH Underwriting Scorecards: A Practical Framework for Approvals, Downs, and Terms
Underwriting consistency is paramount for BHPH success, protecting gross profit and mitigating discrimination risk. This guide provides a practical scorecard framework and essential exception controls.
Joshua Aaron
01/12/2026
BHPH Licensing, Bonds, and Insurance: What You Need Before You Sell Your First Car
Many dealers underestimate the time and complexity of BHPH licensing. Learn about essential requirements, bonds, insurance, and critical operational policies needed before selling your first car.
Joshua Aaron
01/11/2026
BHPH Startup Capital and Reserves: A Risk-Ready Budget Model (5/10/15% Charge-Off Scenarios)
Most BHPH dealership failures are cash-flow failures. This guide provides a conservative budget model that forces dealers to plan for reserves, reconditioning, and charge-off volatility across multiple scenarios.
Joshua Aaron
01/10/2026
Portfolio Strategy for Special Finance: Hold vs Sell in a Changing Market
For special finance dealers, portfolio optionality is a strategic advantage, not just an exit. Learn how strong reporting and documentation improve valuation and reduce friction for hold vs. sell decisions.
Joshua Aaron
01/10/2026
BHPH Market Research: Find the Right Niche, Payment Range, and Inventory Mix
The most successful BHPH operators don't copy competitors; they engineer a profitable niche based on local payment realities, commuting needs, and an inventory that reliably supports the portfolio.
Joshua Aaron
01/09/2026
LHPH Marketing and Messaging: How to Sell “Use” Without Confusing “Own”
Clear, consistent messaging is crucial for LHPH success. Learn how to sell the benefits of vehicle use without confusing it with ownership, reducing disputes and improving retention.
Joshua Aaron
01/09/2026
The Future of LHPH (Lease-Here Pay-Here): How It Compares to BHPH and How to Run Both Models Efficiently
Lease-Here Pay-Here (LHPH) is gaining traction among independent dealers. This guide breaks down LHPH vs. BHPH, compliance, operations, and how DealerClick supports both models.
Joshua Aaron
01/09/2026
The Hybrid Dealer Blueprint: Running LHPH + BHPH Without Operational Chaos
Unlock the blueprint for successfully running both LHPH and BHPH models without chaos. Hybrid works when policies, reporting, and workflows are standardized, driven by a single source of truth.
Joshua Aaron
01/08/2026