HubSpot Blog - defi SOLUTIONS

Auto Loan Portfolio Notes: Hold them? Or sell?


At an August 2017 webinar, host Nick Zulovich, senior editor at SubPrime Auto Finance News & BHPH Report introduced Randy Spradlin, VP of sales for defi EXCHANGE, who discussed the ins and outs of holding versus selling Buy Here Pay Here auto loan notes.

Randy took an in-depth look at the cash flow, profit, capital requirements and ROI of both options and talked about the top 10 attributes lenders look for in BHPH Portfolios and what dealers can do to make sure their portfolio sells on defi EXCHANGE for top dollar.

“We had a fantastic turnout,” said Randy, a lending industry veteran named one of this year’s Movers & Shakers by SubPrime Auto Finance News. “This was a first step for a lot of folks just beginning to understand the benefits of the EXCHANGE marketplace. I’m ready to help them take the next step and realize those benefits for their business.”

defi EXCHANGE is a web-based auto loan portfolio marketplace with complete evaluation, processing, and pricing provided by a loan origination system. defi EXCHANGE provides sellers direct access to multiple lenders and lets them easily compare lenders’ offers and counter those offers.

There is no cost, no obligation for sellers. 

With defi EXCHANGE there’s no need for auto loan portfolio sellers to provide sensitive consumer data to many potential buyers or for buyers to build their bulk deal evaluation outside their lending platform. defi EXCHANGE eliminates processing inefficiencies, making buying and selling auto loan portfolios easier than ever before.

Check out the webinar today: Hold vs Sell - Which BHPB Model is Most Profitable.
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About defi SOLUTIONS

defi SOLUTIONS provides the only leading edge, browser-based loan origination system (LOS) platform that is completely configurable by lenders. The defi loan software system allows lenders to manage the application lifecycle and receive analytics from a single, highly flexible platform. defi SOLUTIONS services are affordable, scalable and easily changed with market demands. For more information, go to, or