Client login
Dealer-first financial services

Financing built for Buy Here Pay Here operations.

KtoB helps independent dealers finance more viable customers while keeping capital available for inventory and daily operations.

PRIMARY SERVICE

Dealer Financing

A financing program oriented to Buy Here Pay Here dealerships. Dealers maintain control over which customers and vehicles they finance while KtoB advances capital, services the accounts and helps reduce the capital burden of carrying an entire portfolio in-house.

For established Buy Here Pay Here operations, the program is a powerful tool for expanding the number of loans they can originate before their own available capital is exhausted. Dealers participating in the co-financing program also earn all interest generated by their reserve percentage.

  • Designed around BHPH dealership operations
  • Expand lending capacity beyond available in-house capital
  • Earn all interest generated by the dealer reserve percentage
  • Capital available to replenish inventory
  • Dealer control over deal structure and approvals
  • Professional account servicing by KtoB
  • Deferred earnings paid as customers perform
See how dealer financing works

Consulting

Years of direct market experience become an invaluable tool for dealerships seeking clearer processes, better information and stronger decisions.

Account servicing

A transparent, technology-led option for outsourcing the daily work of servicing current and delinquent accounts.

Explore account servicing →