Spartan Financial Partners’ access to capital, industry expertise, and flexible financial solutions enable us to meet the financing needs of Buy Here Pay Here Dealers and Independent Automobile Finance Companies throughout the United States.

Bulk Purchase

Turn your portfolio into cash with our custom bid and multiple pricing options.


  • No Underwriting fees
  • No bonus pools
  • Capital to grow while reducing your risk
  • Custom bid within 48 business hours
  • No customer contact required for pricing
  • Smooth customer transitioning

Program Highlights

  • No minimum seasoning required
  • Multiple pricing options
  • Flexible mileage, year and vehicle restrictions
  • All payment frequencies accepted
  • Recourse & Non-Recourse programs available
  • Flexible range of terms and APRs accepted


The first step in the Bulk Purchase Program is the Data Tape.

A Data Tape is an Excel file, exported from your DMS, containing the information needed for us to provide a free, no obligation quote on your portfolio.

Submit your Data Tape as an Excel file via our secure online portal:

After submitting your Data Tape, our Underwriting Team will review the contents and provide a quote within two business days.

We DO NOT call your customers at this time.


After you accept our quote and sign a Letter of Intent to sell, you will begin the second step in the Bulk Purchase Program: Diligence.

During Diligence, we will review original documents and complete a Verification Call for each account considered for purchase. The Verification Call will confirm: Customer Name, Vehicle (Year, Make, Model), and Payment Information.


The third and final step in our Bulk Purchase Program is Closing.

During Closing, we will work with you to welcome your customers to our program. Our Customer Welcome Process includes a Goodbye Letter, sent on your behalf; Welcome Call, informing the customer that we have purchased their account; and Welcome Packet, mailed to their home.


Call our Sales Team for step-by-step assistance: 855-233-3605

Sales Team Hours
Monday – Friday
9 am – 6 pm ET