2024 was the worst year on record for BHPH charge-offs

Catch the Warning Signs Before They Become Charge-Offs

The BHPH Early Warning Agent contacts your customers for you — and flags the ones who are about to slip through the cracks, before the payment stops.

No contract. No credit card required. Works with iDMS, DealerCenter, Wayne Reaves, and more.

~21
Avg Monthly Charge-offs
$16K
Avg Receivable / Account
$336K+
Monthly $ at Risk
Worst
2024 Industry Trend
The Problem

Charge-offs don't start with a missed payment

Week 1Engine light comes on
Week 2Customer loses job
Week 3Too embarrassed to call
Week 4Payment missed
Week 6+Charge-off

You find out here → but the problem started 3 weeks ago

1-2collectors

managing 100-400 accounts

0early warnings

until payment is missed

$16Kper account

average receivable at risk

21charge-offs

average per month

Your team isn't failing. They're outnumbered.

Benefits

What changes when you have Early Warning

Stop reacting. Start preventing. Here's what dealers experience in their first 30 days.

Catch accounts about to fail — while you can still save them

Right now, your first signal is a missed payment. By then, the customer has already made up their mind. Early Warning checks in regularly — not collection calls, just touchpoints — and listens for car trouble, job changes, financial stress.

"Customer mentioned the check engine light has been on for two weeks. Payment due Friday. Recommend proactive outreach."

Your collector is 10x more effective without working 10x harder

A single collector managing 150–300 accounts cannot stay on top of every customer every week. It's not humanly possible. Early Warning doesn't replace your collector — it makes them smarter.

Instead of cold-calling through a list, your collector starts every day with a prioritized alert digest: accounts that need attention today, ranked by urgency.

Stop losing accounts to problems you never knew existed

Mechanical issues are one of the leading causes of charge-offs in BHPH. A car breaks down, the customer gets frustrated, payments stop. Dealers who find out after the payment stops have already lost the relationship.

Turn a potential charge-off into a loyalty moment. Catch the mechanical complaint two weeks before the due date and bring the car in.
Testimonials

What dealers are saying after their first 60 days

"I've been doing this for 14 years and I've never had visibility into my portfolio like this. The first week of the pilot, the system flagged a customer who mentioned she'd lost her job. I called her same day, worked out a hardship plan, and she's been current ever since. That account would have been a charge-off by month-end."
Marcus T.
BHPH dealer, Ohio • 220 active accounts
"My collector was skeptical at first — she thought it was going to replace her. Now she tells me it's the best thing we've ever put in the business. She goes into every morning knowing which accounts need her attention. She's not guessing anymore. Her recovery rate this quarter is the best it's ever been."
Donna R.
BHPH dealer, Georgia • 310 active accounts
"We tried the pilot with 20 accounts just to see. Within the first two weeks we had three alerts — one was a transmission issue, one was a job change, one was a guy who mentioned he was thinking about letting the car go back. We saved all three. That's $48,000 in receivables we would have lost. For $499 a month."
Tony M.
BHPH dealer, Texas • 175 active accounts
How It Works

The BHPH Early Warning Agent

Here's exactly what you're getting — an AI-powered agent purpose-built for Buy Here, Pay Here dealers.

1

Connect your DMS

Early Warning integrates with iDMS, DealerCenter, Wayne Reaves, DealerPack, AutoManager, and others via API or simple file import. Setup takes less than a day. No IT department required.

2

The agent contacts your customers

On a configurable cadence — weekly or bi-weekly — the system sends a friendly, brief, branded text message to each active account. These are not collection messages. They are lightweight check-ins that give the customer an easy opening to share what's going on.

3

The AI listens for risk signals

Every response is analyzed for indicators of account risk: car trouble, job loss, financial hardship, ghosting risk, relocation, or dissatisfaction. The system is trained specifically on BHPH account failure patterns.

4

Your team gets a daily alert digest

Each morning, your collector or manager sees a prioritized list of accounts that triggered a warning signal overnight, with context and recommended actions. No wading through a full portfolio list. Just the accounts that need you today.

5

Your team makes the call

Early Warning does not negotiate, does not make demands, and does not attempt to resolve the account on its own. It surfaces the signal and hands it to your human team while the relationship is still intact. That's the White Hat Way.

TCPA-compliant messaging
Two-way SMS or voice AI
Daily alert digest
Payment reminder layer
Dashboard & reporting
White-glove onboarding
Pricing

Simple, flat monthly pricing

At $16,000 average receivables per account, saving one account a month more than covers the cost of any tier. Most dealers in our pilot saved two to four accounts in their first 30 days.

Starter

Up to 150 accounts

$299/mo

Break-even: Save 1 account every 2 months

  • Weekly or bi-weekly check-ins
  • Payment reminders
  • Daily alert digest
  • DMS integration
  • TCPA compliance tools
  • Dashboard & reporting
  • Standard onboarding
Most Popular

Growth

150–300 accounts

$499/mo

Break-even: Save 1 account/month

  • Weekly or bi-weekly check-ins
  • Payment reminders
  • Daily alert digest
  • DMS integration
  • TCPA compliance tools
  • Dashboard & reporting
  • Priority onboarding

Portfolio

300–500 accounts

$799/mo

Break-even: Save 1–2 accounts/month

  • Weekly or bi-weekly check-ins
  • Payment reminders
  • Daily alert digest
  • DMS integration
  • TCPA compliance tools
  • Dashboard & reporting
  • White-glove onboarding
Founding Member Offer — First 20 Dealers Only

Lock in $199/month — regardless of tier

The first 20 dealers to join get this rate locked in for as long as they stay active. You'll also get white-glove onboarding, direct access to the product team, and your story featured when we officially launch.

Month-to-month. No long-term contract required. Cancel anytime.

Every charge-off that could have been saved started with a signal nobody caught in time.

This tool catches those signals.