Since 1977
45 Years of Automotive & Finance Leadership
I didn’t learn the auto business from a textbook. I learned it on the sales floor and in the tower. When you call Financial Solutions USA, you aren’t talking to a tech startup—you’re talking to a veteran who knows how to desk a deal.
1977 – 1995: Career began on the sales floor, rising to GSM of Hub Buick in Houston, TX and Don Davis Buick GMC, Lake Jackson, TX
1995 – 2002: Regional Manager for Mercury Finance, overseeing massive portfolio growth and institutional risk.
2002 – Present: Founded Financial Solutions USA, the original architect of the Turn Auto Notes Into Cash!® system.
REALITY-BASED LIQUIDITY
Turning Auto Notes into Cash!®: What to Expect
We don’t make impossible promises. We deliver institutional results based on the actual quality of your portfolio.”
Bulk Portfolio Sales
- Advance Rates: 72% – 92% of Principal Balance.
- Recourse: Standard 30-Day performance period.
- Best For: Dealers needing cash to buy more inventory or scale operations.
Full Portfolio Buyouts
- Advance Rates: Lower payout to reflect the total shift in risk.
- Recourse: Zero. You walk away from the liability.
- Best For: Dealers looking to retire or close out credit facilities.
Featured Success: The $20 Million Credit Line Exit
“We recently represented a large-scale operator who needed to satisfy a $20 Million credit facility in order to retire. By desking the deal through our exclusive institutional network, we secured a Buyout. This allowed the dealer to pay off the bank in full, remove all trailing liability, and exit the business with his capital protected. No matter the size of the portfolio, we know how to navigate the complexities of institutional debt.”
Why Dealers Choose Us as their BHPH Note Buyers
Ready to See Your Numbers?
“Most valuations can be completed within 48 hours of receiving your data. Here is all we need to get started.”
The Summary
The Data Export
The Review
Send us your current Principal Balance and the number of active accounts in your portfolio.
Export a standard CSV or Excel file from Frazer, DealerCenter, or your specific DMS.
We desk the deal with our buyers and bring you the most aggressive offers for both Recourse and Non-Recourse exits.
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What is the typical advance rate for a bulk portfolio sale?
“While every portfolio is unique, institutional advance rates for quality seasoned paper typically range from the low 70s to high 80s. We focus on ‘desking’ your deal to highlight its strengths, ensuring you receive the most aggressive bids from our network of national buyers.”
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Do you offer Non-Recourse buyout options?
“Yes. We specialize in both Recourse (30-day standard) and Non-Recourse exits. Non-Recourse options are ideal for dealers looking to retire or close out credit facilities, as they allow you to walk away from the liability entirely, though they typically carry a lower advance rate to reflect the shift in risk.”
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How long does it take to get funded?
“Speed is a priority. Once we have your DMS data (Frazer, DealerCenter, etc.) and have desked the portfolio, most valuations are completed within 48 hours. Upon acceptance of an offer, funding typically occurs within 72 hours to 7 business days.”
Start Your Confidential Valuation Today
Get A Free Quote
Your data is handled with the highest level of institutional security and absolute confidentiality. Whether you are looking for a quick cash infusion to grow your lot or a total non-recourse exit strategy, I will personally desk your portfolio to find the highest bid in the market.
- Direct Contact Info:
- Phone: 615-414-6708
- Email: crosbyru@autobulk.com
- Location: Austin, Texas | Serving Dealers Nationwide
Typical Response: Under 4 hours
100% Secure & Confidential
© 2025 Financial Solutions USA. All Rights Reserved. Turn Auto Notes Into Cash!® is a registered trademark. We are institutional portfolio consultants, not a direct lender.