AutoZoom Blog

AGORA Announces Partnership With AutoZoom

Agora Data, Inc., a Texas-based provider of technology solutions for the financial services industry, announces its partnerships with market-leader Auto Loan Technologies, LLC dba AutoZoom to expand the suite of services available to the buy-here, pay here dealer community.

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Parachuting Into Buy Here, Pay Here

Five guys with $1,000,000 each could be parachuted into any five states in America to start their own buy here, pay here dealerships, and within five years, they would all have designed their BHPH businesses in the same way. Not because they shared strategies on the...

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BHPH: What Big Money?

According to, the typical buy here, pay here dealer produced a $1,213,236 annual pre-tax profit in the year 2005. Many of my successful buy here, pay here dealer clients make this kind of profit and more. That being said, some of them have asked...

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BHPH Underwriting, Scoring, And Static Pool Analysis

Establishing underwriting criteria that maximize sales without compromising the collectability of retail installment contracts has been one of the biggest challenges for buy here, pay here dealers for many years. To make matters worse, the BHPH industry is changing...

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BHPH: Feeding The BHPH Monster

Long before I ever learned about internal rate of return, effective yield, relational databases, static pool analysis, the differences in repo rate and repo frequency, credit score modeling, audited financial statements, agreed-upon procedures audits, and a plethora...

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BHPH: Profits Predicted

It has been said for many years that investors make their profit on real estate at the time of acquisition. The same can be said for BHPH dealers regarding retail installment contract originations. Just as real estate investors thrive by acquiring properties with...

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BHPH: Credit Disciplines

As I was speaking with Mark Jones, general manager of Mike Carlson Motor Company last week, I told him that I would soon be writing another article for Dealer Marketing Magazine. When I asked him what he thought dealers would like to know most, he said that I should...

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BHPH – License To Print Money

Having spent the last five decades in the BHPH industry, I have learned that BHPH is a license to print money--if properly managed. My family and I started our first BHPH lot in 1969 with $500 borrowed money and minimal industry knowledge. Since then, our combined...

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Contact AutoZoom

Auto Loan Technologies, LLC.
9001 Airport Freeway, Suite 760
North Richland Hills, TX 76180
(817) 605-8770

Monday thru Friday
9:00 AM to 5:00 PM Central

Phone:(888) 493-6891

Stalwart Lot Rat

Scott Carlson's new book offers great insights into the world of BHPH financing, its risks, and rewards. More info.


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