30-Yr (BHPH) Auto Dealership + Separately Priced Notes Portfolio
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$417K Normalized SDE | 30-Year History | 90% In-House Financing
Rare opportunity to acquire a highly established Texas buy-here, pay-here used-vehicle dealership with 30 years of operating history, including 25 years at the same location. The business combines profitable vehicle sales with a proven internally financed sales model that has generated consistent cash flow over many years.
IMPORTANT TRANSACTION STRUCTURE: The Asking Price shown in this listing is for the OPERATING BUSINESS ONLY. The acquisition also requires the purchase of the dealership's seasoned notes-receivable portfolio at 77.5% of the outstanding principal balance at closing. The operating business and notes portfolio are separately valued assets, but they are operationally interdependent: approximately 90% of vehicle sales are internally financed, and the continuing note-payment stream is an important part of the dealership's historical earnings model, as well as maintaining
Current Offering:
• Operating Business Asking Price: $1,250,000
• Normalized Annual SDE: approximately $417,347
• Current Notes Principal Balance: approximately $1,360,914
• Notes Asking Price: 77.5% of principal at closing
• Current indicated Notes Price: approximately $1,054,708
• Current Business + Notes indication: approximately $2,304,708
• Typical inventory at cost: approximately $196,650, addressed separately at closing
• Real estate: This prime 1.6 acres has a high-visibility thoroughfare, commanding street presence, and is available separately for $1,100,000 or under a long-term lease at $6,500/month
The dealership has a long-developed operating system for purchasing inventory, evaluating customers, servicing accounts, and managing repossessions and customer trade-ins. Approximately 30 vehicles are typically maintained in inventory. The business benefits from repeat and referral customers and currently incurs no meaningful paid advertising expense.
Approximately 90% of vehicle sales are internally financed, historically at 21% interest over 30- to 36-month terms. The notes portfolio is a separately transferable financial asset whose balance changes daily as customers make payments, notes pay off, vehicles are sold, and new notes are originated.
There is also meaningful upside from expanded operating hours. The owners currently operate Monday through Friday and remain closed on weekends. They believe restoring later weekday hours and Saturday operations could materially increase revenue.
Qualified buyers will receive access to a detailed Confidential Business Overview covering the transaction structure, valuation support, notes-receivable portfolio, inventory and working-capital requirements, real estate options, and due-diligence considerations. Detailed financial and note-servicing information will be available during buyer qualification and due diligence.
This is a distinctive opportunity to acquire a 30-year operating dealership together with a seasoned receivables portfolio and an established recurring-finance-income business model.
The core operating history, 90% internal financing, no meaningful advertising expense, approximately 30 vehicles of inventory, and the financing terms all come directly from the final overview.
--Important Purchase Structure:-- The $1,250,000 advertised Asking Price represents the operating business. Acquisition of the dealership's seasoned notes-receivable portfolio is also highly recommended, if not required, and will be priced at 77.5% of the outstanding principal balance at closing. The current principal balance is approximately $1.361 million, producing a current indicated notes price of approximately $1.055 million. The balance changes daily as payments are received, notes pay off, and new receivables are originated. Vehicle inventory is addressed separately at closing. Buyers should have adequate capital or financing capacity to maintain inventory and continue originating sales to replace ongoing receivables.
Rare opportunity to acquire a highly established Texas buy-here, pay-here used-vehicle dealership with 30 years of operating history, including 25 years at the same location. The business combines profitable vehicle sales with a proven internally financed sales model that has generated consistent cash flow over many years.
IMPORTANT TRANSACTION STRUCTURE: The Asking Price shown in this listing is for the OPERATING BUSINESS ONLY. The acquisition also requires the purchase of the dealership's seasoned notes-receivable portfolio at 77.5% of the outstanding principal balance at closing. The operating business and notes portfolio are separately valued assets, but they are operationally interdependent: approximately 90% of vehicle sales are internally financed, and the continuing note-payment stream is an important part of the dealership's historical earnings model, as well as maintaining
Current Offering:
• Operating Business Asking Price: $1,250,000
• Normalized Annual SDE: approximately $417,347
• Current Notes Principal Balance: approximately $1,360,914
• Notes Asking Price: 77.5% of principal at closing
• Current indicated Notes Price: approximately $1,054,708
• Current Business + Notes indication: approximately $2,304,708
• Typical inventory at cost: approximately $196,650, addressed separately at closing
• Real estate: This prime 1.6 acres has a high-visibility thoroughfare, commanding street presence, and is available separately for $1,100,000 or under a long-term lease at $6,500/month
The dealership has a long-developed operating system for purchasing inventory, evaluating customers, servicing accounts, and managing repossessions and customer trade-ins. Approximately 30 vehicles are typically maintained in inventory. The business benefits from repeat and referral customers and currently incurs no meaningful paid advertising expense.
Approximately 90% of vehicle sales are internally financed, historically at 21% interest over 30- to 36-month terms. The notes portfolio is a separately transferable financial asset whose balance changes daily as customers make payments, notes pay off, vehicles are sold, and new notes are originated.
There is also meaningful upside from expanded operating hours. The owners currently operate Monday through Friday and remain closed on weekends. They believe restoring later weekday hours and Saturday operations could materially increase revenue.
Qualified buyers will receive access to a detailed Confidential Business Overview covering the transaction structure, valuation support, notes-receivable portfolio, inventory and working-capital requirements, real estate options, and due-diligence considerations. Detailed financial and note-servicing information will be available during buyer qualification and due diligence.
This is a distinctive opportunity to acquire a 30-year operating dealership together with a seasoned receivables portfolio and an established recurring-finance-income business model.
The core operating history, 90% internal financing, no meaningful advertising expense, approximately 30 vehicles of inventory, and the financing terms all come directly from the final overview.
--Important Purchase Structure:-- The $1,250,000 advertised Asking Price represents the operating business. Acquisition of the dealership's seasoned notes-receivable portfolio is also highly recommended, if not required, and will be priced at 77.5% of the outstanding principal balance at closing. The current principal balance is approximately $1.361 million, producing a current indicated notes price of approximately $1.055 million. The balance changes daily as payments are received, notes pay off, and new receivables are originated. Vehicle inventory is addressed separately at closing. Buyers should have adequate capital or financing capacity to maintain inventory and continue originating sales to replace ongoing receivables.
About the Business
- Years in Operation
- 30
- Employees
- 6 (4 Full-time, 1 Part-time, 1 Contractor)
- Facilities & Assets
- The dealership operates from an approximately 1.6-acre property on a major thoroughfare in a growing Texas community near a very large metropolitan area. The property includes three air-conditioned offices, a 3-bay detailing area, a 5-bay automotive service facility with 3 vehicle lifts, and 5 additional covered bay units, for a total of 13 bays. The real estate is available separately for approximately $1,100,000 or may be leased to the purchaser for approximately $6,500 per month under mutually acceptable long-term terms.
-----Those facility details and current real-estate alternatives are documented in the overview you can download.
The operating-business purchase includes the dealership's agreed operating assets, goodwill, trade name, website, customer relationships, and established operating systems. Typical vehicle inventory is approximately 30 vehicles, with a historical average cost of $6,555 each, totalling about $196,650, and will be counted and valued separately at closing. - Market Outlook / Competition
- A major competitive strength is the dealership's approximately 30-year operating history, including 25 years at the same prime location, together with an established repeat-and-referral customer base. The dealership currently incurs no meaningful paid advertising expense. Its long-developed processes for inventory purchasing, customer evaluation, account servicing, repossessions, and trade-ins have been refined over decades. Approximately 90% of vehicle sales are internally financed, creating an established buy-here, pay-here model (that should be easy to follow) which differentiates the business from conventional used-vehicle retailers.
The stability of the income from this business year after year is quite remarkable and extremely rare in this industry. If a buyer simply follows the Seller's proven operational steps, this business could be viewed as a no-brainer. Due to its stability, it could be argued that this business is, in reality, more of a lender in the financing industry. - Opportunities for Growth
- An immediate growth opportunity exists simply by expanding operating hours. The current owners operate Monday through Friday, 9:00 AM to 6:00 PM, and elect to remain closed on weekends. Restoring previous operating times, which were later weekday hours, and reintroducing weekend operations could vastly increase vehicle sales and, importantly, create additional internally financed receivables and future finance-charge income. The owners believe weekend operations could produce a meaningful increase in revenue and have projected potential revenue growth of approximately 33%. Additional growth may also be available through more active marketing, as the dealership currently generates business through repeat customers, referrals, and drive-bys with no meaningful paid advertising expense.
Real Estate
- Owned or Leased
- Owned
- Not included in asking price
About the Sale
- Seller Motivation
- The husband and wife team (Sellers) are Retiring after approximately 30 years
- Transition Support
- The seller will provide transition support designed to help maintain continuity of this long-established operation. The dealership has developed very stringent systems over approximately 30 years for purchasing inventory, evaluating prospective customers, servicing receivables, managing repossessions and trade-ins, and maintaining ongoing customer relationships. The Sellers look forward to taking ample time to thoroughly train a new owner or operator on all the specifics and secrets of these finely tuned operations to seamlessly continue their success and hopefully even more. Historical performance information, collection practices, underwriting procedures, and note-servicing records will be available for review during due diligence. Specific transition and training terms will be established with the purchaser as part of the final transaction.
- Financing Options
- NOT SBA Eligible- This is catagarized as a Finance Business
Listing Info
- ID
- 2543508
- Listing Views
Attached DocumentsAttachment Disclaimer
Listing ID: 2543508 The information on this listing has been provided by either the seller or a business broker representing the seller. BizQuest has no interest or stake in the sale of this business and has not verified any of the information and assumes no responsibility for its accuracy, veracity, or completeness. See our full Terms of Use. Learn how to avoid scams.
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