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http://www.autodealermonthly.com 

Its official! Auto Dealer Monthly & Special Finance Insider Magazines have been purchased by Bobit Business Media

I received this email from Greg Goebel on Friday... 

I am pleased to announce that Auto Dealer Monthly magazine, Auto Dealer Monthly website and Special Finance Insider Website have been purchased by Bobit Business Media. The decision to sell the media properties of Auto Dealer Monthly, LLC was made based on having the absolute best fit for continued publishing of the magazine and Bobit Business Media was the perfect choice.

Bobit Business Media is an experienced publisher with many automotive publications and will continue to serve the dedicated readers of Auto Dealer Monthly magazine well. Anna Hildebrandt will continue to serve all of Auto Dealer Monthly's client as she has done so for so many years now.

In keeping with the sale agreement here are some things you should know.

Auto Dealer Monthly, LLC will be changing it's name to Used Car University, LLC. which is where I will be spending my time developing more training for the industry.

My new email address effective immediately is Greg@UsedCarU.com

Harlene Doane can be reached at Harlene@UsedCarU.com, effective immediately.

The new phone number for UsedCarU is 812.467.0594, and the fax is 888.386.2236

If you have any questions about any of this, please do not hesitate to call our office.

Sincerely, Greg Goebel

I want to congratulate both Harlene & Greg! We wish you both tremendous success in your future ventures!

When the topic of SEO comes up, many people envision HTML code and meta tag adjustments. They think of keyword stuffing. They consider the bounds set by the OEM of what they can and cannot do with their websites and how far they can push the boundaries to extend their market reach.

They don't usually imagine finding cool images and videos of epic cars or amazing places, but that's one activity that dealers and SEOs can do to affect their overall search rankings as well as reach out to their communities with amazing and sharable content.

Today, social has become a tremendous SEO tool. Content is the key to true social interactions. The best content is informative, fun, or both. You should see where I'm heading with this, but just in case...

Step 1: Find Content that YOU Enjoy

There are two connections between our virtual world and the real world that need to be noted. On one hand, you have the "sell sell sell" mentality that often prevents dealers from adding content to their website that isn't totally on point with the goal of the dealership: more sales. On the other hand, we're car people. If you're in this business, you love cars (at least you should). As such, thatconnection should definitely come through to the online presence of the dealership but it's often absent.

Above, you'll see an image of a 1956 Ford F-100. It's one of the coolest trucks (in my humble opinion) that was ever built. Why not pay tribute to it on a Ford website? That would be fun, right?

Perhaps more importantly, it can help your search rankings as well as your social outreach by doing so. Find content you love. Then...

Step 2: Put It On Your Website

The most important part here is attribution. I'm not a fan of stealing content. Whenever possible, use images that you've taken. If you must use the internet, there are sites such as Shutterstock that allow you to pay for content images and they have tons of pictures of both cars and locations. If you're going to rely on Google to get the images, be sure to attribute the source with a link to them. They are supplying you with content that will help your website. The least you can do is help them back by supplying them with a link.

With that out of the way, let's talk content. The reason that you're supposed to find content that YOU enjoy is because you'll be able to write much more easily about it. If it's something that you don't care about, it'll show in your writing. If you adore it (just as I adore the '55 and '56 F-100's I used in this project) then it'll show.

There doesn't have to be a ton of written content. If anything, that can be a detriment to have too much. Let the images or videos speak for themselves. With that said, you musthave some unique content on the page or it won't last. One, two, maybe three paragraphs is plenty.

Make it personal. This doesn't have to be the Wikipedia version. It can come from your heart. At your soul, you like cars, right? Let that shine through in the writing. Speaking of Wikipedia, you have to fight the urge to copy and paste. The content must be unique.

Check out the page itself on Holiday Automotive's 1955 Ford F100 page.

Step 3: Make a Couple of Quick SEO Decisions and Apply Them

It's great to have fun with your content, but you want to be able to get a benefit out of it without risking loss of a customer. The first benefit is to help with your search rankings. While it's possible for the page itself to rank for terms associated with F-100s, unless you're a classic truck dealer you're not going to benefit from this.

Instead, use the page to help your domain rank better in general and to help another page rank better for a specific keyword. In this case, we're going to work on getting the homepage ranked for "Wisconsin Ford Dealers", a keyword that they're currently not hitting with on page one. There are two other SEO benefits that we'll talk about below.

The other decision that you'll want to make is whether or not to include the page in your navigation. In most cases, one-off content like this should not be in your navigation. You want to drive traffic to a page like this through social media. No need to distract your normal website visitors with a "fun" page.

The exception to this rule is if you're going to create a lot of pages with amazing content. In such a case, you may want to consider having a section of the website dedicated to this type of content. It can be "Amazing Ford Vehicles through the Decades" with collections of pages similar to this one. It could be "The Best of the Best in Chicago" with pages dedicated to the amazing things and landmarks within the city. There are many options, but a time commitment is required. If you go with occasional one-off pages, you should probably keep them out of the navigation.

Step 4: The Social Buttons

Most pages on most dealer websites have social buttons. Some even go so far as to have toolbars at the bottom or "Share This" widgets. These are acceptable for most pages because, let's face it, nobody's sharing your site anyway. These toolbars and share widgets are smoke and mirror tactics used by some vendors to sell... nevermind - that's another blog post in the future.

The share buttons you'll want on a content page like this will be the ones supplied by the sites themselves. We recommend Facebook, Google+, Twitter, and Pinterest, though some may want to include others such as Tumblr, StumbleUpon, etc.

This is the second (and arguably most important) aspect to helping your SEO. Both Google and Bing have acknowledged that social signals play a role in the search rankings of a domain. For the most part, the content on dealer websites is unsharable... until now. These types of pages can be shared if you have the right content and the right social accounts in place to share them.

This is where the disclaimer must be made. This isn't A Field of Dreams. Just because you build it, that doesn't mean they'll come. At KPA we have accumulated some incredible social media experts that give us the resources to make sure our dealers get the social signals they need for success. Some would say it's the unfair advantage that keeps us at the top in SEO. It's definitely possible to get social signals without the "power accounts" that we have in our arsenal, but that, too, is another blog post altogether. For now, do what you can and even "fake it 'til you make it" by having employees, friends, and even family share the page on social media. After all, it's a content page. It's not like you're asking them to spam their social friends with a car for sale. This is an epic Ford F100. Share away!

Finally, you'll notice the "Embed this Image" code. This is best for infographics but it works for images as well. This is to assist in helping to get links to the page, which brings us to...

Step 5: Get Links to the Page

The concept of "link bait" is still a valid play in the SEO world and this type of page qualifies. However, unless you're able to drive massive traffic to the page, you won't get a ton of links organically. It's time to share it yourself.

Find content sites that would like to see this type of content on their pages. You have blogs (even your own blog), Tumblr, and other content sites that love compilations. In this case, we used Buzzfeed as well as some blogs.

As you can see in the image, we link again to the target keyword and include the images as the content on the page. The text content is unique - no copy and paste here either. It will only take a couple of links to get this particular keyword ranked if you're using the right sites.

Google's Penguin update is looking for link spam, so don't participate in those types of tactics. If you're going to be building a lot of links, make certain that it's natural and organic. Building links that all have the same anchor text is one thing that can trigger the algorithm's filter.

Do it the right way or don't do it at all. To much is at stake. In this case, the handful of links that we built will not hurt the domain and will help to get it ranked for our target keyword. It will also help the overall link authority of the domain. Whenever participating in link-building, always think quality over quality.

Step 6: Social Outreach

Now that you've got the page and supporting pages built, it's time to share it. If your social media pages are strong, it's as simple as sharing it by creating an image gallery. Keep in mind - this will not count as a Facebook like or Google +1. You can share the link from the page itself on your social channels but they will not get as much exposure that way.

Photos rule.

I did, however, link to the page in the comments.

The goal here is to drive some traffic. It won't be much, but if your social media presence is strong you'll get some traffic to it, particularly from Twitter and Pinterest. The goal is to "double dip" with the content so that you're allowing it to help your social pages to flourish. It's great content. Share it!

Step 7: Rinse and Repeat

Set a schedule for yourself. It could be once a week, once a month, or once in a while, but be sure to set aside some time to creating these types of pages. A content-rich website supported by links and social interactions is the key to overall success on both the search and social fronts.

A final note - this is fun and once you get good it can all flow very efficiently, but it does take understanding. If anything at all in this was unclear, please reach out to me. This isn't one of those things in automotive internet marketing that can be done partially well. You either do it right or you do it wrong - there's very little grey area and there's even less room for error.

This is one of those topics in which everyone will have an opinion. Some will agree in part and disagree with other components, but the hope is to stir up some discussion on the topic. We've tested these ideas and continue the constant flow of more testing; social media is always changing.

Before going much further, it's extremely important to understand one aspect of this list that is universal, particularly in the automotive industry. Time is the primary factor. If someone came to me and asked me to devise a comprehensive strategy that a full-time social media marketing employee could implement and manage, it would be different from what I've put below. Blogging, for example, is an afterthought in the list below as it can be extremely time-consuming to do properly, but if there's a full-timer handling social media, blogging would jump from the bottom to the top.

Conversely, those who have no time at all and are squeezing in 5 minutes a day at the most would also need a more streamlined strategy.

These suggestions are for the average dealer who an employee such as the internet manager squeezing in 20 minutes to an hour a day into their social media strategy. Technically, this could fill up more than an hour a day if more attention is paid to vetting content on other pages, sharing, and commenting, but we'll assume those activities, high-value though they are, fall into the category of "if you have time between all of the other things you have to do every day."

Here's the hierarchy as I see it:

1. Facebook

This one is the no-brainer on the list. If you only have time to do one thing in social media, it would be Facebook. They have the traction. They have the attention of your customers. They have the exposure.

You should be posting 1-3 pieces of content at a minimum to your dealership Facebook pages, even on weekends. More is better but don't overdo it. Don't crowd your posts, either. In other words, don't fill the three-a-day requirement by stacking three posts on top of each other. They have to be spread out.

2. Google+

This is probably the most controversial positioning on the hierarchy. There are still plenty of dealership who don't even have a Google+ page. Some think they have a Google+ page because they have a Google Local profile that's tied into Google+, but if you're not posting content socially, you don't really have a valid business page.

Rather than explaining why it's important and so high on the list (that is a complete blog post of its own), let me explain why you should do it even if you're not a believer. It doesn't add much time. If you are posting to Facebook, posting the same exact content to Google+ adds a couple of minutes of work if you're slow.

3. Twitter

For most dealers going into 2013, Twitter seems to be a "check box item". In other words, if they have their Facebook and other social profiles feeding into their Twitter account, then they're Twitter is covered. This isn't exactly true.

Twitter should have the highest frequency of posts. You will want to post things to Twitter much more often than the other networks. Thankfully, you can use the other networks to streamline the tweeting efforts. One thing that very few dealers are doing well is actually engaging with others on Twitter. For the most part, Twitter is a defensive tool. You want your Twitter profile to appear active and engaging to those who visit it from your website. You want people with problems to hit you on Twitter for resolutions. It's the safest network from an exposure perspective to receive complaints, so encouraging interaction by simply engaging with others will make that possible.

4. YouTube

It's not for every dealer. There's no need to have an active YouTube channel just for the sake of having an active YouTube channel. If you aren't making videos, don't force it by simply posting other people's videos. An inactive YouTube account can do more harm than good. Either do it or don't. Nothing in between.

5. Tumblr

This is higher on the list than others for the same reason that Google+ is so high - it's easy. We did a webinar on Tumblr a while back and the reasoning there still applies today. It can help with SEO, reputation management, and exposure and does not require a ton of extra effort to make it effective.

6. Pinterest

Some say that Pinterest is on the decline. They are correct to some measure, but that doesn't make it less valuable (yet). Today, the passions of the users are still strong and having an active Pinterest presence can have an impact. Again, like Google+ and Tumblr, Pinterest is also too easy to skip.

7. ScoopIt

Many people are unfamiliar with Scoop.It now, but they won't be unfamiliar forever. It's the next big thing, similar to Pinterest in some ways but with a more business-oriented demeanor and functionality. Please contact me directly if you have an questions about Scoop.It - early adopters will be thankful that they did it.

8. The Others

Foursquare, LinkedIn, and Instagram can be valuable if they are worked in properly with the dealership's marketing efforts. They are "tweeners" in that they are really better applied by the advanced, time-capable dealership employees who can afford to take a stab at them, but if you're going to keep anything out of your social media strategy for the sake of time, it would be these three.
* * *

Again, there are plenty of perspectives that surround any list like this. I would love to hear your perspective or answer any question you may have about the individual networks or the strategy required to make them work properly for your dealership.

http://www.internetbattleplan.com

What are you doing January 16 and 17?

I’ll be speaking at Internet Battle Plan XII at the Crown Plaza in Atlanta and I hope to see you there.

Jim Ziegler, President and CEO of Ziegler SuperSystems, has put together the highly successful Internet Battle Plan to help you increase profits and market share. This conference will give you in depth knowledge about exactly how to give your internet sales a turbo-charged increase the day you return to the dealership. In addition to my presentation, on Video Search Engine Optimization, you’ll also hear from industry experts like Cory Mosley, Paul Potratz and more.

Because you are receiving this email from me you are entitled to a very special pricing offer. Call Jim Ziegler now directly at (770)921-4440 to confirm your reservation. To learn more about the event, click here http://www.internetbattleplan.com

I hope to see you in Atlanta, but if you can’t make it, you can still get in touch with me. If you’d like to discuss your dealership’s Internet or Business Development strategy more in depth, let’s set up a time to meet. E-mail Crystal at crystal@dealersynergy.com



See you in Atlanta,

Sean V. Bradley

This is Part 2 in a 5 part series. Read Part I here. Now, Part 3is also live.

As we advance in social media strategies, one of the biggest challenges is getting traction.The rise of social signals in search marketing alone is enough of an incentive to make it happen even if you don’t believe in social media itself as a marketing tool. It is one, but now’s not the time to make that case. For now, the undisputed truth is that social media can help your dealership rank better in the search engines by sending social signals (Google +1s, Facebook likes, Twitter retweets, etc) to content on your website.

The quality of the content is important and you can check out some tips on quality content on Social Media Today. The challenge isn’t with building content. The biggest challenge facing car dealers is having the potent social profiles that are able to get the content blasted out there, to get the social signals flowing.There are companies (including ours) who have spent years developing and growing social media profiles, hiring experts, and enhancing content through the use of social signals. As a dealership, you will not want to rely on vendors (even us) to do all of the work for you. It’s your destiny. It’s your business. You need to have a hand in your own success. To do this, you need “power accounts”.

Warnings from the Experts

In part one of this series, I mentioned two of the strongest accounts in automotive: Grant Cardone and Louie Baur. I’ll be the first to admit that I am an avid fan of learning from industry experts, so I’m going to talk about what I learned from Ralph Paglia. My friend at ADM is the only guy in the car business that I know of who has been hacking around in social media as long as I have.We’ve had our share of clashes and disagreements but over the years I believe it’s a fair assessment to say that we’ve both been wrong and we’ve both been right, and at the end of the day our understanding of how social media can work in the automotive industry is fairly close to lockstep.

One of the things that Ralph has excelled at is building up social media profiles for dealerships. He’s the master of syndication and knows how to blast out content.Now, for the warning: don’t make the mistakes that both of us made early on. It’s easy to get lured into the “wide” approach to social, to start focusing on integrating every shiny new social program out there. If you’re a full-time social media marketer for your dealership, this isn’t a bad approach. If you, like most, are integrating social media into a diverse marketing strategy and can only put in a couple of hours a day at the most into social, stay focused on the networks that matter: Facebook, Twitter, and Google+.

A Dealer, an Internet Manager, and a Mascot Walk Into a Bar…

There’s no punchline. It’s a decision that needs to be made. If you’re going to build up power accounts, first and foremost you have to understand that business pages are not the solution.They are important; having a strong Facebook page for your dealership is a must. However, a business page cannot become a power account. To become a power account, you have to be human. The hardest part is getting the right human to be the power account.

That’s right – the owner or general manager is the ideal person to be your dealership’s power account.They are (or should be) respected members of the community. Just as their touch is often enough to make a deal go through, their social media touch is more powerful than that of anyone else at the dealership. This holds true across the board. One study showed that a company’s CEO could get more engagement on their Twitter account with 1/100th of the followers of the company account itself.

Take a look at Tracy Myers from Frank Myers Auto Maxx. You would be hard pressed to find an owner with more social media power than Tracy.It’s not just that he’s such an interesting guy (he is, but that’s not important). It’s that he’s the owner. He’s the decision maker. He makes things happen at the dealership. If he says it, they make it so. As a result, his social presence is stronger than the presence of the dealership itself.

The hardest part is convincing dealers that they can benefit from this.THAT is another blog post altogether. If he or she is willing, they are the right person to starting building the power account.

If not, you have two options. The internet manager, eCommerce director, or marketing manager could be the face. Jeff Cryder‘s story at Lebanon Ford has drawn attention across the country. Lindsay Lavery at Lavery Chevy is really starting to make a splash.

Notice something about all three examples: the profiles are named after the dealership but the individual is highlighted each time. On Twitter.com/LebanonFord or @LaveryChevy , it’s the faces of the individuals who are actually controlling the accounts that are getting the attention. Same thing with fb.com/FrankMyersAuto – Tracy is the account.

People don’t follow brands despite what any social media pro will tell you. They follow people.They don’t like logos. They like faces. They don’t want to talk to an entity. They want to talk to a human. That’s all there is to it.

The third option is for the few who simply do not want to participate in this way. If you absolutely do not want to be the face of your dealership, come up with a mascot.It could be a dog. I’m not going to go into details or offer examples because I really don’t want you to go down this path, but if you must, you must. Try to get the dealer first. If not, use the manager in charge of the social profiles. Avoid the mascot if possible, but it’s better than just pushing out the brand.

In the next part of this series, we’ll discuss how to actually build the prominence of your selected power accounts. Until then, get your pitch ready for your owner or GM about why they should be plastering their face all over Facebook and Twitter.

How many times have you heard that phrase? I know I hear it every day. The now reoccurring phrase... "Mr. Jones is NOT an Internet customer, he is Harry's previous customer! You're STEALING!"

And then all of a sudden... INTERNET SHOPPING was born. "Oh NOOO!!"

And now Mr. Jones, that purchased his new car from you and is in the market for another one may email you... He may go on your website and convert himself into a lead... HE MAY EVEN VISIT YOUR COMPETITORS SITE TO SHOP YOUR PRICE!!

"I DON'T BELIEVE YOU" says the General Manager of your dealership who has been employed here for 30 years!  "Mr. Jones has been buying cars for me for years!"

Dealers need to give your Internet Department a break because they are the backbone of your dealership. They are the ones working every lead to the death. They are speaking to hundreds of your prospects and previous customers. They sit in front of a computer, speak on the phone, and do majority of the work. Previous customers are smarter car buyers then in the past.  They now shop differently and will contact the Internet department first.  Face it, there is no such thing as customer loyalty anymore.

http://www.franklincoveydealersynergy.com

I ran across an obstacle with a dealer's Facebook page the other day. They were heavily supporting the local chapter of the March of Dimes and had some great pictures and videos compiled by the staff. None of this was on their website, Facebook page, or anywhere in their social media presence.

"We aren't doing it for the exposure. We're doing it for the charity," he said.

When we do good things, it's in our nature to want to feel like we're doing these things for the benefit of the recipient rather than for some self-serving reasons. Most do not like to "toot their own horn" about the good things they do in the community and within society in general. Doing so sours the experience and makes us feel like we're not properly motivated.

This couldn't be further from the truth within a dealership environment. Showing support doesn't end when the check is written. There is exposure for the charity, awareness of the cause, and the influence as a community leader that comes into play. For these and other reasons, dealers who "hide" their good deeds are doing a disservice to those they're trying to help.

Exposure

Sharing exposure is good for everyone involved. If, as in the case of the March of Dimes dealer described above, you're goal is to help raise money through an event, then the dealership and the charity benefit from getting the word out as much as possible. This should be put on the website, blasted out multiple times through social media, and be very visible within the store itself.

Exposure helps to get people to know what's going on. They can't help out by donating themselves if they don't know where or how to donate.

Awareness

After the event is over, some say that it's time to stop posting (if they were posting from the start). Posting pictures, videos, or stories describing the event and the charity around it seems like "tooting" since the time to donate is over. This couldn't be further from the truth.

There are two primary tools that charities can use: money and awareness. Just because you're done with the money component doesn't mean that you shouldn't participate in raising awareness after the event. Dealers should latch on and increase the publicity levels of the charity well after the checks are cashed and they've moved onto the next event.

Leadership

This is arguably the most beneficial of the three primary reasons to expose your dealership's participation with charities. If you're dealership is doing business right, you're already a leader in the community. If the dealership is new or hasn't done things right for the community in the past, these charitable events are a great way to get started.

As a dealership, your influence in the community can be strong. People can look up to you as a strong local supporter of the community. Businesses can look up to you as an example to follow. When you're leading by example and getting involved in the community or through charities, you have the opportunity to inspire others to do the same thing.

At that point, you're not just a business. You're a leader.

* * *

Post your activities regardless of how "self-promotional" they seem. If your dealership is operating from a sincere perspective, you're doing more harm than good by hiding what you're doing in the community.

Lender: Access Capital Investment Group

For more
information:

Access Capital Investment Group’s (ACIG) acquisition program assists auto loan originators better manage
their consumer auto loan portfolios, primarily through the “Bulk Acquisition” of auto portfolios along with
custom “Payment Stream” and “Floor Plan” financing options. Unlike other acquisition companies that only
purchase performing accounts, ACIG has the flexibility to price and purchase all accounts in your portfolio,
regardless of status. ACIG purchases portfolios from credit unions, banks, independent finance companies
and dealerships nationwide.

For more information, contact Ken Terkel at (720) 961-4074, email kterkel@acinvest.com or visit
www.acinvest.com.

Lender: AFCD

For more
information:
Today’s car dealers are faced with the ongoing challenge of creating a respectable revenue per car on used
inventory purchased either from an auction or dealership or traded in by consumers. Loan origination
models along with backend products such as vehicle service contracts can increase the revenue per car if the dealer has access to these types of products. Based in Carmel, Indiana, and a part of KAR Holdings, Inc., AFCD was established to address and meet the needs of automotive dealerships that would like to increase the number of cars sold per month and the revenue per car by having access to a diverse array of proven dealer solutions in select US markets, including a fully integrated dealer management system (“DMS”) powered by NowCom, virtual F & I services, and access to lender financing, vehicle service contracts, GAP coverage, floorplan programs and more. For more information, call (888) 610-AFCD, or visit www.MyAFCD.com.

Lender: Allstate Credit Acceptance

For more
information:
We work nationwide with lenders, banks and private capital partners that purchase auto loan pools from
auto dealers and finance companies that are looking to sell loan portfolio's in bulk.
Our mission is to be able to accommodate the sellers of auto loan pools with the best pricing and terms in
the industry as well as aligning them with the buyer that best fits their selling objectives.
For more information please visit www.allstatecreditacceptance.com or send inquiries to
allstatecredit@sbcglobal.net

Lender: AMAC

Lender Directory Listing

Ace Motor Acceptance Corporation is a leading source for a Dealer’s secondary auto finance. Ace’s online
system provides deal approvals 24/7. Its online system instantly shows your profit on every vehicle in
inventory, making it easy to land your customer on a highly profitable unit.
Ace’s Underwriters and your Dealer Development Representatives are available to assist you when
necessary. Ace purchases contracts on customers with non–prime to subprime credit and has no minimum
beacon score. Dealers frequently find that doing business with Ace substantially increases their bottom line.
Ace Motor Acceptance Corporation does business with franchise and independent dealers in North
Carolina, South Carolina, Virginia, Deleware and Maryland. For more information call Wayne Garland,
Director of Business Development, at (704) 882-7100.
Check out the company’s site, at www.acemotoracceptance.com.

Lender: AmeriCredit

For more
information:

AmeriCredit, a leading non-prime auto finance company, focuses on building strong relationships with their
auto dealers. AmeriCredit does business with approximately 12,000 franchised dealers and select
independent dealers supported by an experienced team of credit and sales professionals. Contact your local
AmeriCredit representative to find out more or call 1-888-556-4616."
"Our organizational structure allows us to provide extended hours of operation and local buying in major
markets, with the support of highly skilled credit and sales teams," states Kyle Birch, executive vice
president.
"We are committed to providing the best service to help our dealers deliver more cars.
AmeriCredit also works with independent auto dealers via AppOne, a national provider of Internet-based
risk mitigation and financial technology. We partner with AppOne to generate additional business with
independent dealers through the AppOne platform," says Birch.
"This relationship allows us to provide non-prime financing solutions to select independent dealers

Lender: AppOne

For more
information:

AppOne, a part of Wolters Kluwer Financial Services, offers Internet-based risk mitigation and financial
technology that provides independent auto dealers with tools to automate indirect lending, credit approval
and compliance processes. The AppOne platform helps dealers increase sales volume by providing
additional lending sources, expediting funding and minimizing documentation errors, all within a single
application.
As indirect lending standards tighten, it is more important than ever for dealers to secure strong
relationships with lenders. Working with AppOne, dealers can show lenders that they have the necessary
processes in place to mitigate risk and meet regulatory compliance requirements. This not only helps build
lending relationships, but ultimately gives dealers a competitive edge and enables them to provide their
clients with the best service possible. For more information, visit www.AppOne.net.

Lender: Atlantic Financial Services (of N.C.)

Serving northeastern North Carolina and the Hampton Roads area of Virginia for 10 years with consumer
loans and sale finance services through local automobile dealerships
Branch Locations:
—145 Rich Blvd, P O Box 2771 — Elizabeth City, NC 27906 Phone: (252) 338-9008
—1300 S Croatan Hwy, P O Box 2581 — Kill Devil Hills, NC 27948 Phone:
(252) 441-4422
—109 Currituck Commercial Drive, P O Box 58 — Moyock, NC 27958 Phone: (252) 232-3320
—1000 Airline Blvd, P O Box 7037 — Portsmouth, VA 23707 Phone: (757) 337-0420
Web site: www.atlanticfinancialsvc.com
Email us: customerservice@atlanticfinancialsvc.com
Lender: Atlantic Financial Services Inc. (Based in Ohio )
Atlantic Financial Services services Ohio and Indiana.
Atlantic Financial Services, a privately held corporation, was formed in 1995 for the purpose of acquiring
and servicing subprime and non-prime retail installment contracts originated by local car dealerships. The
corporation's principals have over 70 years of combined experience in the retail auto sales and finance
industries.
During the preceding decade, Atlantic Financial experienced phenomenal growth. By investing heavily in
both technology and talented people, Atlantic Financial has developed the programs and infrastructure
needed to maintain its consistent and controlled growth in an industry where few companies survive. Our
knowledge of retail auto sales, and experience on the dealer side of the financing relationship, has allowed
us to develop superior solutions and tools that work in the "real world.” Atlantic has cultivated successful
relationships with dealerships, both franchised and independents, throughout Ohio and Indiana.

For more information:
If you are a dealership who is looking to increase its sales, please contact a representative at Atlantic
Financial Services today.
Toll Free: (888) 441-4344, or visit us at www.atlanticfinancialservices.com

Lender: AFS Acceptance

For more information:
AFS Acceptance is an established, full-service auto finance company that serves the subprime financing
needs of franchise and independent car dealers. We help our Dealer Partners sell more automobiles and
improve profits by providing prompt service and flexible lending options. AFS’ tiered program gives Dealer
Partners a complete set of pricing options, from nonprime to deep subprime, with limited, poor or no credit
histories. With highly personalized service and underwriting capabilities, AFS provides pricing flexibility
for subprime customers. We offer consistent, responsive guidance and support, giving Dealer Partners a
dedicated Account Manager backed by a team of professionals to process and fund contracts quickly.
For more information please contact our Dealer Group Line at (877) 223-3254.
www.afsacceptance.com.
AFS currently services the following states: AL, AZ, CA, CO, FL, GA, ID, IL, IN, LA, MD, MI, MN, MO,
NC, NJ, NM, OH, OK, PA, SC, TN, TX, UT, VA, WA, with plans for further expansion in to other states
by year end.

Lender: Auto Credit of Nashville

Auto Credit of Nashville
162 Cude Lane
Madison, TN 37115
(615) 865-1300
Lender: Auto Trakk LLC
For more
information:
AutoTrakk specializes in lease financing on late model dependable cars for your customers with poor to
very poor credit. Auto Trakk combines an easy to manage weekly lease payment with a payment protection
device that encourages customers to make their payment on time. Community based financing.
Auto Trakk is responsible for all collection problems and repossessions. Warranty and GAP protection on
every deal. Online application system and approvals.
1500 Sycamore Rd. Suite 200
Montoursville, PA 17754
(888) 689-7117
For more information, visit www.autotrakk.com/dealerinfo.html.

Lender: Automotive Credit Corporation

For more information:
Automotive Credit Corp., headquartered in Southfield, Mich., is a regional automobile finance company
focused on the subprime market. Automotive Credit Corp. purchases installment contracts from both
independent and franchised automobile dealers for consumers with limited or challenged credit histories
who are unable to obtain financing from traditional sources.
Founded in Michigan in 1992, ACC has partnerships with hundreds of dealers throughout the Midwest, East
and Southeastern United States, including Michigan, Ohio, Illinois, Indiana, Tennessee, Kentucky, Missouri,
Georgia, Maryland, Florida, Virginia, Kansas, Arkansas and Alabama
For more information, contact 888-268-1400
Automotive Credit Corporation
26261 Evergreen Road; Ste. 300
Southfield MI 48076

Lender: AutoUse

Auto Use is an independent finance company with over 40 years experience in the Auto Finance Industry.
We offer Floorplan and Sub Prime Retail financing to franchise and independent auto dealers throughout the
country. Auto Use is dedicated to providing superior customer service and believes in establishing long term relationships with our business partners.
Floorplan Financing is offered nationally and features our Checkbook Program that allows the freedom to
purchase inventory from multiple non-auction and auction sources. Auto Use is affiliated with over 700
auctions nationwide. Our Sub Prime Retail product is offered in selected states. No minimum credit score
and our self-approval program are just a few of the innovative ways that makes our retail product easy for
you to write more business. All retail advances are non-recourse and there are no dealer sign up fees.
Utilizing both floorplan and retail programs allows for product synergies, which includes but is not limited
to Free Floorplan Interest and higher Retail Advances.

More information:
We invite you to call our Dealer Development Team @ (800) 737-9780 to get further details on both
products or visit our Web site www.autouse.com

Lender: Bank of Stockton

For more
information:
Bank of Stockton is a prime lender serving the state of California
For more information, contact Finance Express at (800) 543-8085

Lender: Barnett Finance Co.

For more
information:
BARNETT Finance is the Southeast's leading subprime lender servicing both new- and used-car dealers.
We originate, purchase and service retail automotive installment contracts. We guarantee increased profits
to your dealership's bottom line with simple and effective tiered finance options covering the entire
spectrum of credit challenged customers.
Barnett is owned, managed and operated by seasoned automotive professionals. We understand what it takes to conduct business in today's environment. Whether your customer is in bankruptcy or has experienced a recent repossession, we have originators and reps standing by all hours of the day to provide that all important call back while the customer is in your dealership waiting. No automated turn downs. With
Barnett, we find out what it takes to put the deal together right now and make it happen.
(912) 692-0008

Lender: Capital One Auto Finance

Capital one Auto Finance is a national non-prime auto lender in the following states:
AL, AR, AZ, CA, CO, CT, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS,
MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI,
WV and WY.

For more information:
CAR Financial Services, Inc. (“CAR”) services both independent automotive dealers and automotive
subprime financial organizations. We are dedicated to providing a stable funding source for the long term
and offer a variety of financial programs designed to improve cash flow and accommodate individual needs.
CAR operates in 45 States and is continually evolving its programs to meet the ever changing needs of those
we serve. Our strengths lie with our experienced and professional employees, our dedication to technology
and a tradition of over 25 years of quality service.
We offer:
—Payment interval purchasing
—Subprime financing
—Buy-Here, Pay-Here bulk purchasing
—Account billing and collection service
Let us show you how much cash you can generate from your accounts today by calling
1-877-570-8857, or going to www.carfinancial.com.

Lender: CARFINCO

For more
information:
Carfinco is Canada’s leading specialty finance income Fund. We provide vehicle financing to consumers
who are not able to obtain it from more traditional lending sources. Carfinco purchases loans made by select
independent and franchised vehicle dealers in most provinces of Canada.
4245-97 Street, #300
Edmonton, AB T6E 5Y7
(888) 486-4356
Lender: C&F Finance

For more
information:

C&F Finance Co. is a leading regional finance company focused on providing auto loans in Virginia,
Maryland, Tennessee, North Carolina, Ohio, Indiana, Kentucky and West Virginia. C&F Finance is a
wholly owned subsidiary of C&F Bank which was established in 1927 and is publicly traded on the
NASDAQ under the symbol CFFI. C&F Bank acquired C&F Finance, formerly Moore Loans, in September
of 2002. Moore Loans had been in business since 1952. C&F Finance Company's headquarters are in
Richmond, VA.
C&F Finance Co.
4660 S. Laburnum Avenue
Richmond, VA 23231
(804) 236-9601
For more information, visit www.cffc.com

Lender: Chase Auto Finance

For more
information:
Chase Auto Finance serves more than 15,000 auto dealers across the country and specializes in subprime
financing for franchise and independent dealers through 41 Custom Finance division business centers. Chase
provides a full range of credit and financial services to dealerships, as well as floor plan and commercial
loans, treasury management services, real estate financing and other banking services.
Chase Auto Finance, together with its affiliates, is the largest bank provider of auto financing in the country.
Since 2001, Chase also has partnered with Subaru, creating the Subaru Motors Finance private-label brand
and making Chase the only bank that serves as a “captive” lender for the auto industry. Chase Auto
Finance’s Dealer Commercial Services division is the largest non-captive floorplan and commercial loan
provider for auto dealerships nationally.
Chase Auto Finance purchases retail installment contracts and originates loans across the continental United
States as well as in Alaska and Hawaii.
For more information, visit www.ChaseDealer.com, or call (800) 223-5050.

Lender: CitiFinancial Auto

For more
information:
CitiFinancial Auto is a leading, national subprime auto lender focusing on dealer relationships to help them
sell more cars with fast decisions and customized solutions.
For more information, call (866) 926-1397.
This lender is also available via Finance Express.

Lender: Coastal Credit

For more
information:
Coastal Credit is available in CA, DE, FL, GA, LA, MS, NV, OH, OK, PA, TX and VA. Coastal Credit,
L.L.C. specializes in purchasing contracts from new and used automobile dealerships. We have been serving
the automobile industry continuously since 1984. Our primary customer base is in the secondary used-car
market, and we purchase loans made to military and civilian consumers.
Coastal Credit continues to expand its relationships with dealerships nationwide. We purchase contracts on
a point of sale basis and acquire buy-here, pay-here loans through portfolio acquisitions. For more
information, visit www.coastalcreditllc.com/index.html.
3852 Virginia Beach Blvd.
Virginia Beach, VA 23452
(800) 969-2729

Lender: Columbus Finance Inc.

For more
information:
Since 1960, Columbus Finance has specialized in providing vehicle finance products to central Ohio auto
dealers. CFI offers both direct and indirect loan programs to accommodate any size dealer allowing for a
wide range of dealer structures. Our professional staff members are experienced in subprime lending and
will help dealers increase sales and profits while earning long-term customers for us both.
Central Ohio auto dealers can learn more at www.columbusfinance.com, or call (614) 236-8541 to speak to
a representative.
Columbus Finance Inc.
3050 East Main Street
Columbus, Ohio 43209

Lender: Community Choice Financial

For more
information:
Community Choice Financial is available in Tennessee.
5200 Maryland Way, Suite 310
Brentwood, TN 37027
(615) 370-5401
For more information, visit https://www.first-state.net/.

Lender: Consumer Portfolio Services

Consumer Portfolio Services Inc. ("CPS") is a specialty finance company that provides indirect automobile
financing to individual borrowers with past credit problems, low incomes or limited credit histories. The
company purchases retail installment sales contracts primarily from factory franchised automobile dealers.
The contracts are secured by late-model used cars and to a lesser extent, new cars.
The company accumulates the contracts into pools, and finances the pooled contracts through the issuance
of "AAA" rated asset-backed securities. CPS was founded in 1991 and currently purchases contracts in 47
states from approximately 7,000 dealers. The company’s common stock is traded on the NASDAQ National
Market System under the symbol "CPSS".
Available in the following states:
AL, AR A, CA, CO, FL, GA, HI, IA, ID, IL, IN KS, KY LA, MA, MD, MI, MO, MS, NC, NE, NH, NJ,
NM, NV, NY, OH, OR, PA, RI, SC, SD, TN, TX, VA, WA, WI, WV and WY
Since 1991 CPS has been providing franchise and independent dealers with consistent and profitable
subprime solutions. Our 7 proven programs offer generous advances and cover a wide spectrum of credit in

For more
information:

Visit our website at www.hityournumbers.com or call 800-304-6812 to see how at CPS, We approve more
people so you can sell more cars!
Lender: For more information, call (800) 443-2588.
Founded in 1972 by Don Foss, the world's largest independent used-car dealer in the 1970s and 1980s,
Credit Acceptance provides vehicle loans to consumers regardless of their credit history. Without our
product, consumers may be unable to purchase a vehicle, may purchase an unreliable one, or may not have
the opportunity to improve their credit score.
Offered through a nationwide network of automotive dealer-partners, our Guaranteed Credit Approval
Program provides dealer-partners with the opportunity to deliver a written credit approval to every
consumer, on every vehicle in their inventory, within 30 seconds using our patented Credit Approval
Processing System (CAPS).
Using the CAPS Profit Calculator, dealer-partners can work a deal in just seconds and maximize the profit
they receive by adjusting the term, interest rate, and selling price of a vehicle.

For more
information:

Whether you’re a dealer that wants the benefits of Buy-Here, Pay-Here without the hassles of collections
and cash flow concerns, or simply want a finance company that lives up to its commitments and funds deals
quickly, our Guaranteed Credit Approval Program is the key to more customers and more profits.
For more information about how Credit Acceptance can help you open the door to more customers and
profits, call (800) 873-0512, or visit www.creditacceptance.com.

Lender: Credit Union Direct Lending

Created in 1994 by the California Credit Union League and The Golden 1 Credit Union, CUDL was
established with the vision of providing point-of-purchase lending to the credit union community, and has
grown to become the nation’s largest point-of-sale and indirect lending network for credit unions. Today,
the CUDL Network of credit unions and dealers serves nearly 18 million credit union members nationwide.
CUDL is administered by CU Direct Corporation, a Credit-Union-Owned Service Organization (CUSO),
which serves the credit union industry through aggregation, leveraging the power of numbers to create a
stronger presence in the marketplace and at dealerships, which ultimately help credit unions fulfill their
indirect lending goals by selling more auto loans.
For more information, visit www.CUDL.com.

Lender: CUdirect Connect

For more
information:
CUdirect Connect is available in Colorado.
6377 S. Revere Pkwy. #200, Suite 200
Centennial, CO 80111
(720) 260-3188

Lender: CPS

For more
information:
Since 1991 CPS has been providing franchise and independent dealers with
consistent and profitable subprime solutions. Our 7 proven programs
offer generous advances and cover a wide spectrum of credit including
thin files, low FICO's, open CH 7's,recent repos, and delinquent
mortgages. Visit our website at www.hityournumbers.com or call
800-304-6812 to see how at CPS, We approve more people so you can sell
more cars!

Lender: CreditWest Corp.

For more
information:
CreditWest Corp. purchases C & D quality subprime auto paper in California, Nevada and Colorado. Our
Web site for dealers is www.creditwest.net.
For more information, contact president and chief executive officer Larry Kelley at lkelley@creditwest.net.
CreditWest is also available via the Finance Express platform.

Lender: Crescent Bank and Trust

For more
information:
Crescent Bank and Trust provides our dealers with a consistent, no extra cost financing alternative for the
subprime customer. Subprime auto financing is our specialty. Established in 1991, Crescent Bank and Trust
has focused primarily on subprime lending. We started in New Orleans, La., with one location and have
grown through the years to over 35 locations in 19 states.
We build strong relations with thousands of dealerships through our local presence. We provide dealers with
an opportunity to do business with a strong reputable company that has one of the most stable financial
reports in the industry.
For more information, contact Jeff Owens, National Account Manager, (866) 320-0525, or e-mail
jowens@cbtno.com.

Lender: Dealers’ Financial Service /MILES Program

Are you looking for a way to finance your non-prime active duty military customers? Then look no further!
Dealers’ Financial Services LLC is a leader in providing solutions for automotive loans to the active duty
military community through our Military Installment Loan and Educational Services (MILES) program.
The MILES Program is a non-credit score, criteria based loan program. We offer loan approvals in 30
minutes or less and are integrated with both RouteOne and DealerTrack.
If you would like to increase your military business and join our over 500 MILES Certified Dealerships then
contact us toll free at (866) 466-4537, or visit our Web site at www.usmiles.com.

Lender: DealerTrack

DealerTrack is transforming every aspect of dealership management by providing solutions that help
dealerships realize higher profits, enhance compliance and improve customer satisfaction.
Headquartered in Lake Success, N.Y., its family of companies enables DealerTrack to provide a broad
range of industry-leading solutions.
Founded in 2001, DealerTrack revolutionized auto financing by giving lenders an online portal for credit
applications. Today, DealerTrack provides solutions to optimize the performance of every department in a
dealership. Because DealerTrack recognizes that each dealership has a unique and dynamic set of needs, the
company provides a flexible platform of solutions. Dealers can choose from a complete dealership
management solution that delivers high value for lower cost than competing products, as well as individual
solutions that can be easily integrated in an open environment. DealerTrack gives each dealership the power
to select the specific tools it needs to reduce costs, increase profits and find sustainable success.

For more
information:

DealerTrack supplies online solutions to 90 percent of all franchised dealerships in America, more than any
other provider. The company’s platform connects over 22,000 automotive dealerships, plus 3,000
recreational vehicle, marine and motorcycle dealerships with more than 700 financing sources and a broad
range of service and information providers.
To learn how DealerTrack solutions can help grow your profits, or to determine which subprime financing
sources do business in your area, visit www.dealertrack.com or call (888) 853.9402.
Lender: Dependable Credit Corp.
Dependable Credit Corp., is a sales finance company, licensed in the states of New York, New Jersey and
Connecticut, providing used car loans to individuals with varying credit profiles at competitive interest
rates.
Our credit guidelines are more flexible than most major financial institutions. Each application submitted to
our office is reviewed based on its own merits considering several factors which dictate customer's ability to repay the loan. Unlike major financial institutions who only consider FICO scores, Dependable Credit Corp., considers stability of residence, stability of employment, amount of down payment in relation to the price of the vehicle (high equity), as well as paid (slow) auto loans, past and/or present delinquent accounts in your credit profile, etc.
Dependable Credit Corp., has been in business since 1992, providing flexible financing programs to over
250 used car dealerships in New York and New Jersey and now in Connecticut for over $80 million in
amount financed. Our continued growth has surpassed our yearly estimates, which allows us to offer
various programs to our dealers and better customer service to our account-holders.
285 Saw Mill River Road Yonkers, N.Y. 10701.
285 Saw Mill River Road
Yonkers, New York 10701
www.dependablecredit.com
SUB-Prime Loan Specialist for over 20 Years
Licensed in NY, NJ & CT (Rates as low as 7.9%)
Contact: Carmine Manager; Direct Financing
Toll free @ 1-866-575-7539 ext 542
Email carmine@dependablecredit.com

Lender: Exeter Finance Corp.

For more
information:
Exeter Finance Corp. is an auto finance company specializing in purchasing and servicing subprime auto
finance contracts from select franchised auto dealers throughout the United States. The company’s
underwriting and verification teams work in local branches rather than a centralized facility. As a result,
dealers enjoy personalized service from people they already know and trust. Founded in 2006, Exeter
Finance is headquartered in Irving, Texas.
For More Information: Visit www.ExeterFinance.com and click the “Auto Dealers” button.

Lender: EZ Dealer Finance

For more
information:
EZ Dealer Finance is your lending network which offers multiple lending solutions for Franchise and
Independent Car Dealers.
We offer Prime to Subprime, New and Used Car Leasing.
We offer solutions in every state except for Alaska and Hawaii.
For further information on how your dealership can start on “The EZ Way to Profits”
Visit us at www.ezdealerfinance.com
Or call 866-343-6714 option 1
8998 RT.18 N.
Suite 210
Old Bridge, NJ 08857

Lender: Fifth Third Alternative Finance

For more
information:
925 Freeman Avenue, MLD 009014
Cincinnati, OH 45202
(877) 782-8102
For more information visit
https://www.53.com/wps/portal/cv/?New_WCM_Context=http://www.53.com/wps/wcm/connect/FifthThird
Site/CommercialArea/Industry+Specializations/Dealer+Financing/.

Lender: Finance Express

The Finance Express platform brings quality lenders to independent dealers. In addition to its DMS
capabilities, Finance Express was specifically designed to bring competitive lenders to the independent
dealer. This is accomplished through dealer due diligence and risk mitigation processes provided to the
lenders. As a result, the Finance Express platform will serve to help maintain a strong relationship between
lender and dealer during these difficult market conditions.
For more information, call (800) 543-8085.

Lender: Financial Institution Lending Option

For more
information:
FILO is a near-prime to prime lender serving Wisconsin.
For more information, contact Finance Express at (800) 543-8085

Lender: 1st Investors Financial Services Group

First Investors Financial Services Group (First Investors) was founded in 1988 by its current chairman and
president, Tommy A. Moore. The original vision was to serve customers in the subprime spectrum that had
life events that created credit problems and were looking for an alternative finance source. It is still that
vision today.
First Investors currently services in excess of a $600-million portfolio from its’ Atlanta, Ga.-loan servicing
operation. Additionally, the company has both direct and indirect distribution channels where loans are
originated from its Houston loan origination and funding operation. Combined originations are
approximately $200 million annually.
Indirect loan originations are created through franchise automotive retailers in metro locations in Texas,
Georgia, Ohio, Tennessee, Alabama, Virginia, Maryland, North Carolina and Illinois. In all, First Investors
is licensed in 28 states and actively originates loans from 17 states in the Central, Southeast and Eastern
seaboard markets. Direct lending activities, which are also handled from the Houston office, are conducted
in 14 states through a separate subsidiary of First Investors.
First Investors’ Programs are designed for customers in the subprime market with Beacon Scores in the 530
to 620 range. In particular, First Investors has a core competency in lending to customers who have
experienced a previous bankruptcy, particularly those customers who have just emerged from bankruptcy.
We feel we offer some of the most attractive terms for the customers, and the most profitable terms for the
dealers that pursue that customer in earnest.
For more
information:
Additionally, First Investors Programs accommodate the non-bankruptcy customer that has a substantial
history with credit, whether good or bad. We feel there are terms and pricing that allows most customers to
finance a vehicle at terms acceptable to all involved.
If you would like to learn more about First Investors, our programs, pricing guidelines and credit guidelines,
please visit our Web site, www.FIFSG.com.
If you would like to talk about becoming a dealer partner, please contact our Director of Sales & Marketing
– Collin E. Williams. collin.williams@fifsg.com, office: (866) 889-6495.

Lender: Flagship Credit Corp.

from automobile dealers.
Flagship provides financing to non-prime consumers for new- and late-model used vehicles. It is available in
the following states through the Finance Express System: FL, GA, IL, IN, MD, NC, NJ, OH, PA and WV.
For more information, contact Finance Express at (800) 543-8085.
Lender: Freedom Financial Group Inc.
For more
information:
Freedom Financial Group is a regional automotive finance company that specializes in working with
customers who have less than perfect credit. We have an extensive point-of-sale network that consists of
independent dealers. Dealers in the Freedom Financial Group network find the financial resources they need
to do business with subprime customers.
We are currently doing new business in Illinois, Indiana, Kansas, Missouri, Oklahoma and Tennessee
For more information, contact: Julie Mclean (800) 832-5530, Oklahoma & Western Kansas; Lisa Bearden
(615) 202-1700, Tennessee; Bruce Norton (219) 670-0542, Indiana & Illinois; Ross Terando (314) 517-
8080, Eastern Missouri; Steve Cox (913) 909-4794, Western Missouri & Eastern Kansas. Or visit,
http://ffgrp.net
Lender: Friendly Finance Corp.
For more
information:
Available in DE, IL, IN, KY, MD, MI, OH and VA. For more information, visit
www.friendlyfinancecorp.com.
6340 Security Blvd., Suite 200
Baltimore, MD 21207
(800) 872-2877
Lender: FSB Financial
For more
information:
110 West Randol Mill Road, Suite 100
Arlington, TX 76011
(888) 372-3868
Lender: Gateway One Lending & Finance
For more
information:
Currently licensed and operating in California, Nevada, Utah, Oregon, Washington, Florida, Georgia, North
Carolina, South Carolina, Tennessee, Maryland, Virginia, Alabama, Colorado, Ohio, Indiana and soon
opening in Texas and Arizona. We are continuing to add additional states and expect our footprint to
include the majority of the continental United States by year-end.
www.gatewayonelending.com
Lender: Globe Acceptance

Globe Acceptance is a special finance lender the states of IA, KS, MN, NE, OK and Eastern IL (Peoria,
Quad Cities, Rockford).
We are a second chance and credit starters for high school graduates.
Globe Acceptance, Inc
PO Box 65400
West Des Moines, IA 50265
515-225-9067
globeaccepts@qwest.net
Lender: Honor Finance
For more
information:
Honor Finance is a subprime lending organization which purchases contracts from approved dealers for
loans up to $8,000. Honor Finance also provides loan servicing for dealers who hold their own paper. Honor
Finance purchases loans from dealers in Illinois and Nevada, exclusively.
Honor Finance Illinois
1563 Sherman Avenue
Evanston, IL 60201
(847) 733-0300
Contact: Bill Caan, Marty Collins
Honor Finance Nevada
8290 W. Sahara , Suite #150
Las Vegas, NV 89117
(888) 924-6667
Contact: Steve Webster
For more information, visit www.honorfinance.com
Lender: Inofin
For more
information:
Available in CT, FL, GA, MA, ME, NH, SC and TN. If you are interested in becoming an Inofin Dealer
Member we strongly encourage you to take our online tour and discover how and why we are
revolutionizing the sub prime auto loan industry, what you receive as an Inofin Dealer Member and the
ability to join us online.
55 Accord Park Drive
Rockland, MA 2370
(877) 946-6346
Visit www.inofin.com/dealers/index.asp.
Lender: Inspire Auto Finance

Inspire Auto Finance spent 18 months developing a custom technology solution and reworking the subprime
lending model to deliver the highest standard for decisioning, customer care and profitability, automation
and performance to automotive dealers nationwide. It just recently went live.
Inspire Auto Finace has partnered with DealerTrack, Contract Management Solutions, CenterOne Financial
Services and Black Book to deliver a superior service and world-class financing solutions to dealer partners
and consumers. It is the only nationwide subprime lender set to redefine the auto finance industry.
Headquartered in Dallas, the company brings more than 100 years of auto finance experience and deep
relationships with dealer partners nationwide to deliver the industry’s most advanced subprime lending
solutions.
For more information on Inspire Auto Finance, please visit www.inspireautofinance.com.
Lender: Kaptor Financial
For more
information:
Kaptor Financial, a boutique merchant bank that has provided financing solutions to small business since
1989 and AJM Leasing, a subprime automotive finance company that has operated successfully in southern
Ontario since 1996.
939 Lawrence Avenue East, PO Box 47590
Don Mills, ON M3C 3S7
(866) 850-7911
For more information, visit www.maclease.ca.
Lender: Leaders Financial Co.
For more
information:
We are a subprime lender forging strong and lasting relationships with independent and franchise dealers
throughout N.J. and N.Y. Customer education and service are the lynch pins for our success. The company
was started in 2006 but the executives of the company have over 100 years of experience in the industry.
For further information call Doug Cussen at (732) 388-8200 x302 or e-mail dcussen@leadersfc.com.
Lender: Liberal Finance Service
For more
information:
Liberal buys contracts from dealers in N.J. that are financing buyers that live in that state. Contracts must be
under $10,000. Liberal is also available via the Finance Express platform.
For more information, contact
Gus Terry
1160 Parsippany Blvd.
P.O. Box 6
Parsippany, NJ 07054
(973) 335-0888
Lender: Lobel Financial

Available in the following states: AZ, CA, CO, NM, NV, TX, UT, and WA. Lobel Financial is a motor
vehicle sales finance company specializing in non-prime automobile loans. The company purchases retail
installment sales contracts from franchised and independent dealers, who have non-prime consumers
purchasing pre-owned automobiles.
Lobel Financial has a well established market presence serving the automotive finance industry for more
than 25 years. The company's state-of-the-art technology provides superior dealer and customer service.
This has allowed the company to be a low cost source of financing for the dealers they have funded. Lobel
Financial is based in Anaheim, California, where the company services its automobile loan portfolio at its
headquarters using automated servicing and collection systems.
For more information, visit www.lobelfinancial.com, or call (714) 816-1356.
Lender: MAFS
Manheim Financial Services (MAFS) headquartered in Atlanta, Ga., is a division of Manheim, the world’s
leading provider of vehicle remarketing services.
MAFS serves thousands of franchised and independent car dealers in the United States and Canada with
short– and long–term floor planning and a variety of financing and insurance programs.
Dealers can turn to MAFS to finance rental cars, recreational vehicles, motorcycles, heavy duty trucks, as
well as for receivables funding and retail financing. They also can obtain full insurance coverage to protect
their businesses.
Manheim provides 88 locations across the U.S. and Canada, each of which includes a MAFS office and
service oriented staff to service our customer’s floor plan needs. In addition, MAFS is also available in more
than 125 independent non-Manheim auctions, Enterprise Rent-A-Car, Thrifty Car Sales and OPENLANE.
Together with the new Manheim Service Centers, MAFS is available at more than 200 locations with more
to come in the future.
For more
information:
Offerings include:
—90-Day/GOLD card inventory financing
—45 Special – 45 day inventory financing
—Rental inventory financing
—Receivables funding
—MAFS Advantage
—RV/Motorcycle inventory financing
—Big truck inventory financing
—Insurance
For more information, visit www.UseMAFS.com.
Lender: MarkOne Financial
For more
information:
MarkOne Financial is a specialty finance company that purchases auto loans from both franchise and
independent dealerships and delivers quality service to our retail customers. We are relationship driven with
our auto dealerships by providing competitive loan programs and exercising consistency in our buying
decisions and flexibility in meeting the dealer’s needs when warranted. The Company currently purchases
consumer auto loans from dealerships in Florida, Georgia, South Carolina, North Carolina, Virginia,
Tennessee, Ohio, Indiana, Pennsylvania, Maryland and Delaware. The headquarters for MarkOne Financial
is Jacksonville, Florida. For more information call 855-MarkOne or visit us online at
www.mark1financial.com.
Lender: Marlton Auto Credit

Marlton Auto Credit Corp. specializes in the acquisition and servicing of subprime automobile auto
receivables purchased from our dealer network in New Jersey, Maryland, Pennsylvania, Delaware.
For more information call 856-983-3832.
Lender: Mid-Atlantic Finance
For more
information:
Founded in 1989, Mid-Atlantic Finance (MAF) has spent the last 19 years becoming the premier non-prime
auto finance source in the automotive industry. With originations exceeding $1 billion and a current
portfolio in excess of one hundred million dollars, MAF has the experience and funding capacity to satisfy
all non-prime lending needs. There are 175 team members between our headquarters in Clearwater, FL, and
a servicing center in Houston to provide unparalleled service. Mid-Atlantic not only has the financial power
but the “after the sale” support necessary to efficiently handle both large and small transactions.
15500 Lightwave Drive, Suite 201
Clearwater, FL 33760
(800) 793-9661
For more information, visit www.midfinance.com.
Lender: Mint Leasing
Established in 1999, The Mint Leasing brings a new approach to the lending industry. We review every deal
individually and do not rely on beacon score to decision deals. We use a common-sense approach to provide
the best possible approvals and the fewest turndowns in the industry. The result is our unprecedented 95%
approval rate. In addition, our dealers are rewarded with outstanding service from our entire staff of
dedicated professionals.
Our dealers appreciate our can-do attitude and the ability to approve deals with or without a dealer
agreement. Our customers appreciate our flexible leasing terms that do not restrict them to mileage limits
and allow them to trade vehicles when their needs change. Our customers are happy with the vehicles that
meet their needs and our dealers are happy with the repeat business our leases allow them to generate. Our
flexibility also allows for multiple autos, no DTI/PTI limits and no vehicle mileage restrictions. This is
something that is simply not offered by any other lender.
Dealers also appreciate our operating hours which make us accessible when we are needed the most. Our
underwriting and funding departments are available from 8:30 am to 5:30 pm Monday thru Friday and 10
am to 2 pm on Saturday. We are also fully-functioning on most holidays. We maintain a callback time of
less than two hours and purchase contracts quickly with our in-house funding department.
Every dealer is looking for a lender that is able to help them deliver more units with more gross profit. With
our No-fee and discount free program, quick callbacks and personalized service, we look forward to being
your lender of choice to keep you "soaring above the competition."
Our Mission Statement
Our mission is to provide our dealers the ability to offer the most flexible financing and an opportunity for
customers to customize their financing through a closed-end motor vehicle lease. We will do this in a
professional and ethical manner that provides a win-win-win solution for all parties.
For more
information:
We deal with franchised dealers in Texas, Oklahoma, Arkansas, Mississippi, Tennessee, Alabama, Georgia
and Florida. We expect to expand into other states by the end of 2009. Our guidelines are available on our
website:: www.mintleasing.com or you can call 866.311.6468.

Lender: National Auto Lenders
National Auto Lenders is one of the leading independent non-prime auto finance companies servicing
Florida. Based in Florida, NAL is dedicated to servicing their family of dealers by offering a variety of
programs catering to their financing needs, including the purchasing of buy here/ pay here portfolios.
Some of our program highlights include:
—Providing Call Backs Within an Hour
—Fast Funding
—Offering GAP Coverage to the Client
—Offering LSI Coverage to the Dealer
—No Application or Administrative Fees
—Excellent Customer Service Practices
For more
information:
For more information please contact us via phone, email, or visit our web site: Tel: 305-828-8777
Email: Sales@NALenders.com Web site: www.NALenders.com
Lender: Nationwide Acceptance
For more
information:
Serving dealers for over 50 years, Nationwide Acceptance is one of the largest independently-owned finance
companies in the nation. Specializing in the underwriting and purchase of non-prime and subprime
automobile installment sales finance contracts, Nationwide serves franchised and independent dealers in the
following 20 states: AZ, CA, GA, ID, IL, IN, LA, MI, MS, NE, NV, NM, OH, OR, TN, SD, UT, WA, WV,
WI.
View our programs and sign-up packages at www.nac-loans.com, or call Bonnie Herden at (800) 622-7605
Ex. 1528. Nationwide is also available via Finance Express.
Lender: New City Funding Corp.
For more
information:
P.O. BOX 121
STONY PT., NY 10980
(845) 942-0020
FAX (845) 942-0020
We are an indirect lender that works with independent used-car dealers throughout New York.
Lender: Nicholas Financial
For more
information:
Nicholas Financial Inc. is staffed with a team of experienced professionals committed to serving the needs
of franchised and independent automobile dealers. Nicholas allows the dealer to increase sales and
maximize profits through financing programs tailored to both the customer and the dealer.
Please call our corporate headquarters at (800) 237-2721 to learn more about current dealer programs in
Florida, Georgia Indiana, Kentucky, Maryland, Michigan, North Carolina, Ohio, South Carolina & Virginia.
Visit www.nicholasfinancial.com/dealserv.htm for more information.
Lender: NK Financing Corp.

NK Financing is an auto finance company operates in the automobile finance business in California. We
specializes in purchasing retail automobile installment sales contracts originated by franchised and
independent dealers in connection with the sale of used and new automobiles. Our funding for auto lending
activities is obtained primarily through our own funds. Our loan servicing activities consist of collecting and
processing customer payments; responding to customer inquiries; initiating contact with customers who are
delinquent in payment of an installment; maintaining the security interest in the financed vehicle; monitoring
physical damage insurance coverage of the financed vehicle; and arranging for the repossession of financed
vehicles, liquidation of collateral, and pursuit of deficiencies.
For more
information:
The company services its loan portfolio at Beverly Hills Office using MegaTERM loan servicing and
collection program. We provide indirect financing to the customers of dealers with limited credit histories,
and low incomes or past credit Problems. Without our product, consumers may be unable to purchase a
vehicle or they may purchase an unreliable one, or they may not have the opportunity to improve their credit
standing. As we report to the national credit reporting agency, a significant number of our customers
improve their lives by improving their credit score and move on to more traditional sources of financing.
The company uses a combination of a CreditSmart, Dealer Track and dealer relationship managers to
market its indirect financing programs to selected dealers. The company was founded in 2004 and is based
in Beverly Hills, Calif.
For more information, visit www.nkfinancing.com.
Lender: PAC
PAC is a New England based auto finance company catering to the subprime market. We are an indirect
lender with a strong, make sense lending program for both used- and new-car dealers. PAC is based in
Peabody , Mass., and has been in business for almost 10 years. It currently lends in MA., NH., Maine and
VT.
The philosophy of PAC has always been and always will be “Dealer Oriented.” By this we mean that our
approach and demeanor will be more of an aid to support our dealers in many ways. Whether it be as a sales
tool, or credit repair to the financially challenged, help with inventory evaluation, or effective floor
planning, dealer reserve earning or repossession liquidation.
Our “Customer Service” is and will ceaselessly be our pride and of the utmost caliber to us and our dealers.
We take enormous gratification in our proud history and responsible growth, experienced collection staff,
sales, support systems and proven underwriting staff.

We never forget that we are guided by Car People first, who have collectively nearly 100 years
experience working in dealerships as dealer principals, sales and service managers and F&I managers. We
know the importance of fast and available financing.
We are experts in the subprime market and have systems in place that allow the dealer to attain more
through a recourse company without the worries normally associated with recourse lending. This substance
is what will continually set us apart from our competitors, in any economy or environment and will enable
us the fulfillment of being truly deemed a leader in our industry.
All inquiries are invited to contact George Nedder, Business Development Manager, at (888) 852-2886, ext.
40.
PAC
Persian Acceptance Corp.
83 Pine Street, Suite 102
Peabody, Ma. 01960
(888) 852-2886
Lender: P E Financial
For more
information:
Since 1975 our founder has been specializing in auto financing. Always looking for good people with past
credit problems, he has always felt there were the people who needed his help the most. To these people, the
employees of P E Holding Corp. and its affiliated companies, dedicate themselves to giving all they can, to
assist all of our customers and dealers/retailers achieve their goals. Available in AL, AR, GA, LA, NC, NM,
TN and TX.
For more information, visit www.peholding.com.
Lender: Pelican Resource Group, LLC
For more
information:
Pelican Resource Group LLC (www.pelicanresourcegroup.com) provides lending, servicing and dealer
portfolio solutions (including performing and non-performing loan sale) for subprime automobile
receivables. Currently operating in the Mid-Atlantic region (NJ, PA, MD, DE, VA), Pelican Resource
Group offers a number of programs that enable dealers to sell more cars and grow their customer base by
engaging consumers in the deepest subprime credit segment. Our Senior Management has 28 years of
experience collectively in automotive and consumer lending; primarily in sales, risk, collections, loan
servicing, originations, and process management. Especially important in serving the subprime sector, we
possess 8 plus years experience with Ensure Pay® starter interrupt/GPS devices that provide collateral loss
protection. We have been directly responsible for the origination of over $7.1 Billion in automobile
contracts and $50 million in structured whole loan sales to financial institutions and institutional investors
For more information visit www.pelicanresourcegroup.com or call (866) 989-9688.
Lender: Penn Acceptance Corp.

Free Online instant qualifying for Super Deep Sub-Prime. We buy 0
FICO, Repo's, open BK's, Foreclosures, All of it! A real Non-Recourse
buyer, prior to first payment. We buy vehicles 12 yrs & 150k! We pay up
to 115% Guide! Buying BHPH level contracts from dealerships since 1988!
With www.peoplescredit.com web site (24-7-365) it is easier than ever to
be profitable with a discount finance company selling to customers with
Small Down Payments, or No Credit or Bad Credit even Low Income!
Buying contracts in OR, WA, ID, CA, NV, AZ, TX, MS, TN, SC, GA, NC, OH,
PA , NJ
Contact Dealer Services at 800-531-4420 ex202
1071 Camelback
Ste. 100
Newport Beach, CA 92660
Marketing@unitedautocredit.net
Lender: Peoples Credit Co.
For more
information:
We are a high risk lender. We have an online process for dealers that operates 24-7. We do not look at
FICO score, but offer a purchase price based on employment and residence time. We currently purchase
contracts from 15 different states, including OR, WA, CA, ID, NV, PA, NJ, NC, SC, OH, AZ, TX, GA, FL
and OH.
For more information, visit www.peoplescredit.com.
Lender: Preferred Funding
For more
information:
Preferred Funding LLC has been in business since 2003. We are centrally located in Delaware and service
both independent and franchise dealers in DE, MD, NC, NJ, NY, PA and VA.
We offer a variety of financial programs, including subprime financing, prime financing, new- and used-auto
leasing and dealer floor planning.
Preferred Funding is a lender who is focused on dealer relationships, no nonsense approvals and quick
funding. We have an active dealer base exceeding 150 dealers throughout our territory. We are actively
looking to grow our business.
For further information, please visit our Web site at www.PreferredFundingLLC.com.
Lender: Prestige Financial

Since 1994, Prestige has been helping dealerships around the country to rewrite the definition of "success"
in special finance, by offering:
—Competitive near-prime through deep subprime financing
—no minimum score and no minimum down requirements
—generous advances and low fees
—open 7, open 13, and double bankruptcy fundings
—live buyers for make-sense approvals
—automatic rate drops for good customers
Prestige currently partners with franchised dealerships in the following states: AZ, CO, FL, GA, ID, IL,
MD, MO, MT, NC, ND, NM, NV, OR, SC, SD, TX, UT, VA, WA and WY.
For more information, visit www.gopfs.com/Webpages/autoDealers.aspx.
Lender: Regional Acceptance Corp.
For more
information:
Regional Acceptance offers many dealer lending programs tailored to the guidelines of your state and your
specific needs. You'll find a number of advantages to working with us.
With about 50 branch locations throughout 14 states, we're close enough to deliver checks with a smile and
a handshake. And, we make ourselves available in after-hours situations. We provide these personalized
services to help your deals get financed quickly and easily.
For more information, visit www.regionalacceptance.com/dealers.
Lender: Reliable Auto Finance
For more
information:
Want to offer more finance options that traditional loan financing? Reliable Auto Finance offers a full
featured service that includes outstanding support. Contact Brian Chisholm at (616) 245-5983 for
information on adding Reliable Auto Finance as one of your financing options for your customers. Your
dealership must be licensed as a Michigan Class A or B dealership with an Installment Sellers License from
the Department of Consumer and Industry Services Financial Institutions Bureau.
For more information, visit http://reliableautofinance.com/dealer.htm.
Lender: RouteOne
RouteOne was formed in 2002 by the captive finance organizations of Chrysler LLC, Ford Motor Co.,
General Motors and Toyota to create a more streamlined credit application process for automobile dealers
and their customers. Providing access to more than 21,500 dealers in North America, RouteOne’s Webbased
credit application management system allows automotive dealers to submit credit applications on our
secure and compliant platform to a wide variety of indirect finance sources; request credit reports; book out
vehicles using NADA and BlackBook online valuation guides; support dealer compliance with Adverse
Action and other functionality; and increase profitability with RouteOne’s free Dealer Reporting Suite.
RouteOne’s open integration business model also allows the dealer to integrate RouteOne with their choice
of 50 best-in-class providers, including DSPs, CRM systems, F&I modules and menu providers. RouteOne
offers dealers a common platform for all their credit application financing needs. A list of integrated
providers is available at www.routeone.com.

Though formed by the captives, RouteOne is an open portal, available for integration to all viable indirect
finance sources, including prime, near-prime, and subprime, as well as credit unions. Currently, RouteOne is
integrated with 253 finance sources (15 captives, 238 non-captives) and is contracted with 40 more. For a
list of all lenders, visit www.routeone.com/language/english/R1_FS_Listing.pdf.
For more
information:
RouteOne has experienced a tremendous increase in the participation of subprime finance sources on our
platform. This is attributable in large part to the fact that the perception of
RouteOne in the industry has evolved from a captive/prime application platform to recognition of what we
are now — a true application management system supporting dealer and finance source application
management for the entire credit spectrum.
Feedback from subprime finance sources on RouteOne indicates they are not only experiencing improved
business via RouteOne versus other platforms, but they are experiencing better look to book ratios, and are
generally are seeing better paper. These benefits are available to subprime finance sources due to the
opportunities created by the side-by-side placement with the captives on the RouteOne platform.
To learn more about the features and benefits above, contact the RouteOne Sales Support line at (866) 933-
0663, or visit www.routeone.com.
Lender: Scotiabank
For more
information:
Scotia Dealer Advantage is one of Canada’s largest and fastest growing Special Finance companies
providing automotive financing programs nationwide. We build partnerships with authorized independent
and franchise automobile dealers to help them grow their businesses and serve their special finance
customers. Scotia Dealer Advantage is a wholly owned subsidiary of The Bank of Nova Scotia. We provide
dealers and customers alike with the advantages, strength and experience of Scotiabank, coupled with Scotia
Dealer Advantage's industry leading Special Finance expertise and service.
For more information, visit www.scotiabank.com
Lender: Security Auto Loans

We are an Automobile Finance Company focused on partnering with used auto dealers to enable sales to the
sub prime (“C” and “D” credit) auto buying market. People with poor credit or sometimes no credit
represent a growing segment of today’s auto buying market. These individuals, with the right financial help,
can become good customers - sometimes providing repeat and referral business to the dealer who said “yes”.
We specialize in working closely with dealers to help them get to “yes” for their customers. We help dealers
Get the Deal Done, both quickly and profitably.
We have 25 years of experience in the auto finance industry working with dealerships large and small, urban
and rural, franchised and independent. This wide variety and our years of experience have taught us a thing
or two about developing good working relationships with dealerships. We recognize that one flavor does not
suit all dealers, therefore, we have adopted three dealer programs to choose from. Multiple programs
coupled with a flexible and personal approach to conducting business means that you do not need to change
your business to work with us.
ZERO FEES
NON-RECOURSE
NO AGE AND MILEAGE LIMITATIONS
NO MINIMUM CREDIT SCORE
97% APPROVAL RATE!
Available in the following states: IA, IL, IN, KS, MN, MO, NE, OH, MI, PA, and WI.
For more information contact us at 1-763-559-5892
Lender: Security National Automotive Acceptance Corp.
SNAAC is one of the fastest growing indirect lenders in the automotive industry. SNAAC provides
outstanding and innovative finance products to auto dealerships servicing military personnel across the
United States. With over 20 years of service to auto dealerships, SNAAC has provided thousands of dealers
an opportunity to grow their business while offering their customers, both military and civilian, an
opportunity to finance quality vehicles and establish their credit.
—The SNAAC Advantage: Receive your callback instantly via SNAAC’s easy to use online application
system — SnaacNOW — available 24/7
—Military, Military Officer, Military Motorcycle and Civilian Programs
—Service Army, Navy, Air Force, Marines, Coast Guard and Civilians
For more
information:
Security National has set the standard for service, support and commitment to military men and women of
all ranks. No one understands the unique circumstances of U.S. service members better than the associates at
SNAAC. You are in caring and understanding hands when you have an account serviced by SNAAC.
Security National is headquartered in Mason, Ohio. We currently have expanding dealer/retailer networks in
30 states (AL, AK, AZ, CA, CO, CT, DE, FL, GA, HI, IL, KS, KY, LA, MD, MO, MS, NC, NE, NM, NV,
NY, OH, OK, SC, TN, TX, UT, VA and WA).
Visit our Web site at www.snaac.com, or contact Dealer Services at (800) 995-0592 for more information.
Lender: Southern Auto Finance Co.

OK, SC, TN, TX and VA. Our Web address is www.GoSAFCo.com; dealers can request information from
our Dealer Services group via email dealerinfo@gosafco.com or phone (800) 277-9198.
At SAFCo, our mission is to provide our dealer partners competitive financing options to build strong
relationships today and for the future, while providing our consumers the opportunity to build their credit
for a better tomorrow.
SAFCo is the partner more dealerships turn to for financing their most challenging customers: buyers with
no credit, bad credit, prior bankruptcies and even repossessions. SAFCo will finance up to $15,000, plus
TTL and up to $2650 additional for warranty and GAP coverage. We offer advances of up to 110 percent of
N.A.D.A. Trade with qualified credit, 60 month terms, and competitive fees from $500 to $1,500. SAFCo
will consider vehicles up to 10 years old, and up to 100,000 miles. SAFCo is also a member of the
DealerTrack network of financing sources.
Lender: Skopos Financial
For more
information:
Skopos Financial makes tough, deep subprime auto loans easier to finance
for franchise dealers nationwide. Leveraging its sophisticated, patented
iLender(tm) technology and visionary management team, Skopos provides a
streamlined process for dealers to finance customers with credit scores
of 520 and below.
For more information: Call 214.520.4600 or visit
www.skoposfinancial.com.
Lender: Sport Leasing & Financial Services Corp.
For more
information:
For more than 20 years, Sport Leasing has developed, funded and serviced innovative lease solutions for the
subprime market. We work through franchised new-car dealers and select high-end independents in Arizona,
California, Georgia, Nevada, North Carolina, Oregon, Tennessee and Texas. We specialize in late model
high-end cars, full-size trucks and SUVs. Our mission is to help our dealer clients achieve greater subprime
profits through leasing.
Call 800-367-7678 today for more information, or visit www.sportleasing.com.
Lender: Stream Capital Group
For more
information:
Stream Capital Group is a national company offering financial solutions to automobile retailers. Our
flagship program is the Stream Interval Purchase Program. The Stream Interval Purchase Program (SIPP) is
designed to meet the needs of independent and franchise auto dealers by providing instant access to capital
to fuel operations, growth and expansion. The SIPP, simply put, enables a dealer to leverage existing Buy-
Here, Pay-Here receivables.
The uniqueness of our program lies in the fact that it allows the dealer to continue to service their own
accounts thus protecting the opportunity for repeat and referral based business. We offer industry leading
advances and superior service.
To find out how to put Stream Capital to work for your dealership, call us at (423) 648.7387, or e-mail
inquiry@scapgrp.com.

Lender: Tidewater Motor Credit
A privately held company in business since 1992. We service all of our own accounts from our Virginia
Beach, VA, location and are available to franchise dealers in AZ, CA, CO, GA, ID, IL, IN, KY, MD, MI,
NC, NM, NV, OH, OR, TN, TX, UT, VA, WA, WI, and WV.
We specialize in programs for open and discharged Chapter 7 filers based upon job & residence stability
and extensive positive installment credit prior to filing. Our open Chapter 7 program is non-recourse if
delivered after the 341 meeting of creditors with no guarantee of payments from the dealer.
We do not have a minimum beacon score and do not use an internal scoring system for decisioning
applications. Each dealer is assigned a buyer and encouraged to discuss deals with that buyer whenever
possible. Our Average APR is 18.95 percent and average fee is $ 595, with advances up to 120 percent of
NADA trade ++ 140 percent out the door. We do offer 66 month financing and up to 1 point of
participation on qualifying tiers.
We will consider second units for qualified customers and bank statements are required for self-employed
applicants as opposed to tax returns.
For more
information:
Please contact out Marketing Department at (800) 216-6862 Ext 6468 for further program questions or
request additional information at our website:
www.tidewatermotor.com/newdealersignup.aspx
Lender: Top Finance Co.
For more
information:
Top Finance Co., headquartered in Chatsworth, Calif., is a auto lender specializing in purchasing subprime
and bellow subprime vehicle sales contacts originated in the state of California. Established in 1999, we
have proven to be a stable and consistent purchaser of auto paper from California Dealers with reasonable
common sense underwriting and guidelines, providing excellent service to our dealers and their customers.
For more information, visit www.topfinance.com or e-mail Alexh@topFinance.com.
Tel: (818) 721-3710
9121 Oakdale Ave #203
Chatsworth CA
91311
Lender: Trac Funding Corp.
For more
information:
We are a non-prime and subprime lender servicing both independent and franchise dealers throughout the
U.S.
Additional information is available at our Web site, www.trac11.com.
Lender: TriFish
For more
information:
Trifish Finance has recently opened a Car Financing division to be able to service the growing auto sales
market in California. We currently purchase dozens consumer contracts per month from our broad dealer
base here in California. If you are a car dealer and would like to see whether Trifish Finance is the right
match for you, please visit www.trifishfinance.com/dealers.asp. TriFish is also available via the Finance
Express platform.

Lender: Turner Acceptance
For more
information:
Turner Acceptance Corp. has been in business since 1973 working with franchised and independent usedcar
dealers. Turner Acceptance is a subprime to near-prime lender doing business in the state of Illinois.
For more information contact Finance Express at (800) 543-8085
Lender: Union Finance
For more
information:
Union Finance is available in Virginia.
For more information, contact:
Union Finance
1703B North Main Street
Suffolk, VA 23434
(757) 934-1537
Lender: United Acceptance Inc.
For more
information:
We are one of the largest purchasers in the country of BHPH portfoios.
Our website is www.unitedacceptance.com and our sales line is (888) 951-9512 Ext 1856.
Lender: United Auto Credit
A program for EVERY customer, and a common sense decision on EVERY deal. Nonprime financing
since 1996. United Auto Credit – Driven to make a difference. Don’t miss another deal - contact us today!
For more
information:
United Auto Credit
18191 Von Karman Ave.
Ste. 300
Irvine, CA 92612
866-504-2133
www.unitedautocredit.net
marketing_department@uacc.net
Lender: Virtual Lending Source
For more
information:
VLS is part of the Virtual Lending Network, which has been serving franchised and independent automobile
dealers nationwide since 1994. In addition to lending, VLS provides software technology platforms for lead
generation, direct mail, print, radio and TV advertising, as well as consumer credit data. VLS offers prime
and subprime programs in 50 states for both purchasing and leasing of both new and used vehicles.
VLS
Virtual Lending Source, LLC
7084 Miramar Rd., Suite 400
San Diego, CA 92121-1359
Contact: Larry Murray
(858) 348-6628
lmurray@vlsmail.com
www.ItsAllAboutSellingCars.com
Lender: Wachovia Dealer Services

Wachovia Dealer Services has a long history of building successful relationships with dealers. As the
seventh-largest auto finance company in the nation, we offer powerful products and services that can help
you increase your sales and bottom line.
For more information, visit www.wachoviadealer.com.
Lender: Wells Fargo Dealer Services
For more
information:
Wells Fargo Dealer Services is one of the nation's leading auto finance
lenders and the #1 used car lender. With regional offices nationwide, we
offer an integrated financial services solution designed for the dealer
community. We provide a broad credit spectrum of lending to the auto
industry, real estate and floor plan financing, and an array of
commercial banking services through Wells Fargo Bank, N.A. We offer F&I
aftermarket products and services through Warranty Solutions(r), a
member of the Wells Fargo family of companies. Wells Fargo Dealer
Services has relationships with more than 12,500 auto dealers.
To learn more about Wells Fargo Dealer Services, please visit us at
wellsfargodealerservices.com.
Lender: Western Funding
For more
information:
Western Funding Inc. was incorporated in 1962 and licensed as a personal property broker by the State of
California. We recognized that both businesses and consumers had a need for a financing source for substandard
contacts, also known as 'subprime' contracts. We realized that people who were new in the area,
recently bankrupt, or perhaps had a lack of or a poor credit history were still entitled to credit but were
constantly being turned down by banks and other lending institutions.
We also knew that these types of sales were not necessarily being made to the 'Grade C' buyer, but were
nonetheless difficult to finance because of their sub-standard nature, such as service contracts, direct sales,
etc. Our innovative approach and vast experience in the finance industry has led us to be the leader in all
types of subprime finance, from automobile contracts to goods and services. Available in all 50 US States.
For more information, call (888) 434-3150, or visit www.westernfundinginc.com.
Lender: Westlake Financial Services
Westlake Financial Services is a leader in sub-prime auto finance, helping dealerships grows for over 20
years. Based in Southern California, Westlake originates indirect retail installment contracts through a
network of over 9,000 new and used-car dealerships in the United States. With dedicated dealer service
representatives both in the office and out in the field, Westlake dealers get the personalized service they’ve
come to expect.Westlake’s Buy Program™ is available online 24/7 through Nowcom Corporation’s
DealerCenter® website or via Route One®. With the program’s wizard-driven approach to structuring
deals, getting an instant approval is fast and efficient. By simply inputting the customer’s down payment
and desired monthly payment, the Deal Wizard will analyze the customer’s credit and automatically
structure an approval for every qualifying vehicle on the dealer’s lot. The results are arranged in order of
potential profit, thereby minimizing the time spent, and maximizing the profit made, on every Westlake
deal.

Westlake currently operates in 48 states with Wisconsin and Massachusetts pending.
For more information: Contact us today to learn more and to join our dealer family for free.
Please visit www.westlakefinancial.com or contact Marketing Operations at (888) 8-YES-YES (888-893-
7937) or email dealersignup@westlakefinancial.com
Lender: Wisdom Financial
For more
information:
Wisdom Financial is a subprime sales finance company based in Great
Neck, NY and is licensed/authorized to conduct the business of
originating automobile loans sourced from a network of dealerships
located in selected states across the United States of America. Wisdom's
niche includes but not limited to: (1) approving customers with
previous BKs, auto-chargeoff, prior repossession and foreclosure;
self-employed; first-time buyers; zero credit score, and (2) financing
current model year and older vehicles up to 12 years old; up to 150,000
miles; rebuilt salvage; lemon law buyback; TMU.
For more information, visit www.wisdomfinancials.com or contact us at
(516) 829-7570.
Lender: XpressCredit
For more
information:
Founded in 1999, XpressCredit is a privately held corporation headquartered in Syracuse, N.Y.
XpressCredit is a leading provider of Web-based F&I tools, including a Credit Aggregation System used by
both dealers and lenders; a comprehensive loan origination system, utilized by banks, credit unions and
finance companies; the FacTrack ID verification system; and the Xpress F&I Menu Selling System.
As a unique, cost-effective, patent-pending solution, XpressCredit automates and accelerates the indirect
financing process between dealers and lenders. XpressCredit’s strategy leverages the Internet to speed prequalification
and automate the credit decision process and workflow. Thousands of dealers and financial
institutions across the country are active users of the platform.
Direct dealer benefits include: F&I Menu System, Red Flag Compliance, Profit Calculators, CarFax
Integration, Discounted Credit Reports, Remote Accessibility and much more.
For more information call (866) 447-0462 or visit www.xpresscredit.net.
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A couple of weeks ago, Facebook started cracking downon fake accounts and false likes. The network is finally at the point to where they believe quality is more important than quantity for their advertising model to work and they're right. Dealers should do the exact same thing, maximize quality of the people liking their page, if they want to delve into the high-potential world of Facebook sponsored posts.

The last statement needs some qualification. If, like many, you do not see the value of Facebook sponsored posts, we'll start there. If you have seen the value and you're already playing with it, skip ahead and let's learn about pruning.

If You Do This, Facebook Sponsored Posts WILL Work

There has been an open debate for a couple of years now about the effectiveness of Facebook advertising in the automotive industry. The reality of it is that it will notwork for most dealers. If your Facebook page is weak, if your fans are not localized, or if your goals are not geared around branding and exposure, then Facebook ads won't work for you.

If, on the other hand, you:

• ... have a strong Facebook presence with multiple daily updates, an active community who like, comment, and share your content, and a strategy that is geared towards ramping up your EdgeRank before blasting out your "money shots", AND...
• 
  ... your fans are mostly localized, AND...
• ... you view social media as more akin to television advertising where you're getting your brand and message out to people when they're not necessarily looking for a car but when they are psychologically in a place of enjoyment and relaxation...

... then Facebook advertising can be of great benefit to you. The primary reason for this is the cost. It's cheap! You can blast out a sponsored story to be viewed by thousands of people for tens of dollars. Pound for pound, dollar for dollar, a strong Facebook page can outperform television for branding and exposure as long as you understand that the goals are the same.

If your goal is to generate direct leads from Facebook, there are definitely strategies that can work for you but that's extremely specialized. It can be done, but it's not easy. It requires some commitments at the dealership that most are not willing to do and I could argue that the same amount of effort put into search marketing has a higher yield. That's a different blog post altogether, but if you're Facebook page is a strong branding and exposure tool, then you should...

Prune

Size isn't everything. It's important, probably more important than most would give it in today's cynical-towards-fake-Facebook-likes world, but it's not nearly as important as focus on the local market.

Facebook offers localized advertising options to allow you to grow your local market. That's what you use to get fans. Keeping them and actually appearing in their news feed is a function of quality and engagement, but getting them is done through marketing, Facebook ads, and in-store promotions.

Facebook sponsored posts do not target a geographical location. They work on your fans and friends of your fans. It's for this reason that you create your own targeting by limiting your fans to the local area.

You do this by pruning.

If you do not run sponsored posts and have no intention of doing so, there's no real need to prune. The distant likes aren't necessarily hurting you that much. Sure, it's a perception concern (another blog post altogether) but the real damage comes from affecting your sponsored posts budget.

If you go through and remove the fans that are not in the local area, you will be able to maximize the relevant exposure of your sponsored posts. Does that mean that all of your fans should be in our direct market area? No. Having someone in San Diego like your Los Angeles Honda dealer Facebook page is fine. What you don't want is that person in Dallas liking your page and taking up budget with her Dallas-based friends.

Even worse is the person in Indonesia who likes your page. Foreign likes, particularly those in east Asia, have friends who are much more likely that domestic fans to like your post. While this might seem like a good thing for artificially inflating your numbers, it's not. It's better to have one local like your post than to have 10 irrelevant likes. Yes, the exposure would go up with the irrelevant likes, but it would not be exposed to anyone you actually want to see your posts.

If you have enough fans, you can prune down to 1000+ local people. This is a great starting point and Facebook sponsored posts sent to those people would give you incredible exposure for very little money. It's true bang for the buck.

If you do not have enough fans, keeping domestic likes is fine but still get rid of the foreign likes. Build your page up with as many localized fans of possible until you're to the point that you can start hyper-targeting the locals only.

When you get to that point, the $10 here, $20 there that you spend on sponsored posts will get you as much (possibly more) quality branding and exposure than thousands of dollars worth of television advertising.

Social media is a visual experience. Sure, there are great links. There are insightful comments. There are cool videos. All of these are important, but for the most engagement, photos rule.

The video below is a short portion of our webinar titled, "Taking Facebook to the Next Level: Advanced Posting Strategies". We go into great detail about how to do Facebook the right way, but this simple tip from the video below should help you to understand why images are the kings of Facebook.

You can use images to set up your "money posts". A picture of a hot car is great but unless it's a unique vehicle that you have on sale at your lot right now, picture posts won't help that much. However, the engagement that you get through likes, shares, and comments on your interesting photos will help your important posts with links or messages to appear higher on your fans' news feeds.

At the end of the video, I mention that you can use images to help get exposure to your links. Facebook does not like links as much, but if you post an image, then include a link in the text above the image, you won't get the same news feed penalty that direct links get. The click thru rate is lower but the overall clicks can be higher.

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There's something missing on most automotive mobile websites and apps. Everyone has "Get Directions". Most attach to the device mapping app to allow for navigation, though some still rely on sending people directly to Google maps, not navigation. The portion that's missing from many mobile sites and apps is the ability to get directions from device's current location.

This is an absolute must. You should demand it of your provider or move on. Here's why:

• There are statistics that show that people who visit mobile version of car dealer websites buy a car within 24 hours. This is due to being in "buying mode" when they visit mobile sites. They may be out and about. They may be on their way to a day of car shopping.
  
  
• They may be having a bad experience at a competitor's dealership. It's for these people that you want to make directions as easy as possible to get. They are less likely to ask their salesperson, "What's the address here?" Don't make them ask. Give them the option of getting directions to your store regardless of where they are. If they can be found on GPS, they should be able to get to your location.

Make it easy. Use an app or a mobile site that works directly with their GPS. You'll get more leads, visitors, and sales as a result.

There has been a lot more talk over the last several months about mobile. It has transitioned from a "check box" item where dealers ask their vendors the simple yes or no question, "Do you have mobile sites in your package?" Today, the questions are more along the lines of, "What makes your mobile websites better than my competitors'?"

That, at least, should be the question.

The world is going mobile. There is zero doubt that mobile is growing exponentially and the activities that many people perform on a daily basis are transitioning to mobile. When people watch television, they often have a mobile device at the ready. They talk about their favorite shows while they watch them. They curse at the cornerback who just intercepted their team's pass by posting their anger on Twitter or Facebook. They check out websites of things they see on television.

When your television commercial reaches someone who is in the market today to buy a car, do you think they're getting up and going to the computer? Some do. Some just grab their iPhone and check out your inventory from there. What will they find?

Last month our founder and VP of Internet Marketing Richard Valenta did a webinar called "5 Mobile Must Haves." The fifth component is about decisions rather than actual mobile websites, but here's a quick breakdown of the takeaways from the webinar:

1. Speed is Absolutely the Most Important Thing. Period

Nobody like to wait. Some of us have grown a little more patience in the last couple of years as we know that internet connections are slower through mobile devices, but we still want a site to respond quickly.

Mobile sites MUST load quickly. Inventory must load quickly. The site must flow properly and not skip a beat. This is the number one reason why we're still skeptical about adaptive website design. We know it's the future. It just doesn't work today for dealers on mobile devices because of the speed factor. The technology simply isn't ready for this industry.

Speed can help. Lack of speed can kill.

2. Easy Navigation

This should be a no-brainer. It's intuitively understood that the ability to quickly navigate through a mobile site is important in keeping people on your mobile site. The challenge is that even though everyone seems to know it, so many mobile solutions out there simply don't pay attention to this fact.

Get them from your mobile homepage to wherever they want to go (especially inventory) in a couple of seconds or less.

3. Strong Mobile Inventory

The screen is smaller. It's surprising that many mobile sites have such small images on them. That's just one point.

The bigger point is the idea that no matter where they are on your mobile site, whether on the homepage, the inventory listings page, or the inventory details page, they should be able to click to call. Again, it's a no-brainer, but so few have it.

4. GPS Integration

I'm not going to cover it again, as I wrote an entire article about it here. Bottom line - get GPS integration into your directions. If someone is on your competitor's lot, don't make them ask for the address if they want to come see you. Let them get to you straight from their mobile device wherever they are.

Here's the webinar itself:

Most dealers know what to do. Get testimonials. Get pictures of happy customers. These can be turned into Facebook gold.

The problem is that the pictures of happy customers are often about as boring as a picture can be. There's a customer standing in front of their new car. Sure, they look happy, but is it going to get anyone's attention? Is it going to get comments from local prospects, even the friends of the person who is in the picture?

Usually, the answer is no. Thankfully, there's an easy fix to this. Make the pictures fun!

Advantage Autoworks does a great job at getting (or making) good pictures of their customers. Here are some examples:

The Connected Customer

Nothing says "I trust them" like interaction between the customer and the salesperson. When it's genuine, it allows your dealership to highlight the personal attention you give your customers. This is a differentiator as most car buyers are not used to working with people they can truly like at the car dealership.

The Style Shot

This is an exciting moment for your customer. Encourage them to express their real feelings, their real style. Automobiles embody moments of pride. Let them show it.

Feature Highlight

If they bought a convertible, this is the right shot to take. If they bought a truck, don't get them standing in front of it. Get them in the truck bed leaning over the cabin. Moonroof? Get them to stick their head out. There's a ton of options to make the photo fun.

Action Pose

This is the hardest one, but can be very fun. In this image, they have a Jeep. Where does a Jeep belong? Yep, climbing rocks. If they bought a sports car, get them to do a quick burnout (with permission from the GM, of course) and snap the photo with smoke coming off the rear tires.

A Different Angle

You won't always be able to get a customer to do much more than pose in front of the car. If that's the case, make in interesting with angles. Shoot from the side. Shoot from the ground. Shoot from up above as with the image above. It's not ideal, but at least it's not a straight-on shot of the customer and their car.

It took listening to my own words in a Twitter conversation for me to realize that I had barely brushed over the most important aspect finding the right times to post on social media for business.

This is Part IV of the series on timing. Please read Part I, Part II, and Part III first.

That's how the conversation started, but in my head I took it further. How would time zones affect timing? Audience type clearly affects it, especially when considering local businesses versus worldwide businesses. It's easy to simply say, "test it out," but are there best practices that can streamline the process and come up with conclusions faster? These questions led to these ideas...

Establishing a Baseline

Technically speaking, "test" shouldn't be the very first step. You must first analyze what's happening with current posts before trying to improve on them, so analyzing to create a baseline is an essential start. Social media analysis comes in many forms for brands, particularly on Facebook where success can manifest in different ways. Likes, comments, and shares are one measurement. Reach is another, and while it's often affected by the comments, likes, and shares, there are other factors that come into play. Those using Sponsored Posts, for example, may find that their ads perform better at different times than non-sponsored posts.

Facebook allows you to look back at the posts that were most popular. If you're using static posting times, it's possible to look back. You will have to count the posts to determine the exact times; for example, if you know you post at 5:30am, 10:30am, and 7:30pm, then you'll have to isolate the three posts during a particular day to know which was posted at what time since Facebook only shows you the date they were posted once it gets beyond 24 hours.

There's good and bad to the way that the Facebook news feed and advertising algorithms work. Because your past influences your future, it's often hard to go back too far to find success because the influencing factors have changed. You have more or fewer fans, you have been removed or added to news feeds, and the way that you posts become popular is in a constant state of change. Still, you'll need to start somewhere.

Once you have an idea of both the type of content that was most popular as well as the times that they were posted, it's time to make your first adjustments and start...

Testing

This is the easy part, actually. Start posting at different times and see what works best at which times. Keep track of your results, of course, and keep in mind a few factors:

• It's not just about times but also days. Posting times differ from day to day, between weekdays and weekends, etc.
  
• Take note of external factors. For example, if there are large trade shows in your industry at the time, it can affect what people are seeing and talking about on social media.
  
• As long as the external factors are minimal, use a week for each test component. For example, this week you can post at 6:00am and 2:00pm. Next week you can try 5:30am and 2:30pm. Then, the following week you can go back to the initial 6:00am and 2:00pm, but this time you'll flip-flop the post types such as posting images in the morning and links in the afternoon.
  
• Avoid analyzing in real time. There's no need to monitor your stats constantly. Wait for the week to be over before looking back at the data.
  
• Stay consistent with your use of Sponsored Stories. The test won't work if you're promoting the Monday morning post one week and not promoting it the following week.

This isn't very hard. It just takes patience and persistence. It's your business. They're your customers. Focus on your goals and let the data guide you. If it works, stick with it. If it can work better with some adjustments, try them. Analyze your results regularly and you'll have a much better understanding of how to reach the most possible people.

There's a trend in the automotive industry that is alarming. We hear this scenario played out almost every day and it normally manifests itself into one of two stages:

• Stage 1: The Fresh Tech Hunter - When a dealership is tired of the limitations of their various vendors, they often go hunting for a replacement that has the latest and greatest automotive internet marketing technologies at their disposal.
• Stage 2: The Better Treatment Hunter - When a dealership is tired of slow response times and vendors pointing their customers towards tutorials about how to fix their own problems rather than fixing it for them, they go hunting for a vendor that acts like it wants to keep their business by treating them better through customer service and tech support.

Why can't it be both? What happened to the days when vendors were forced to have strong technology and amazing customer service rather than today's trend which seems to force dealers to choose between one or the other?

Here are the descriptions of both types of vendors:

The Technology Trendsetter

It's the nature of the beast. Search, social, lead generation, website design, mobile, CRM - it seems like the technology is advancing too fast for most vendors to stay fresh. As a result, the bigger vendors are the ones who have the resources to keep their technology at the top. Unfortunately, they fall into a catch-22; by being large enough to have the resources to stay ahead, they are also faced with the big-boat-syndrome of not being agile enough to make swift adjustments when major changes occur in things such as the Google search algorithm or website coding advancements.

Having proven technology that works today and that will continue to work tomorrow is the only real solution for dealers that want to stay ahead of the curve.

The Customer Service Company

Technology is great, but it comes at a price. All too often, the vendors that are large enough to have the resources to develop the best technology have not been able to scale their customer service and keep it personal. Moreover, the trend towards the coveted big contract changes the focus of the vendor; when they land an OEM contract, their client is no longer the dealer. They now answer to the OEM. This is bad news for customers service at the dealership level.

Smaller companies tend to hold each individual client at a higher value than larger ones and must do whatever they can to keep their customer service at its highest level. Dealers might love technology, but if you can't fulfill their needs at a personal level and treat them as more than just a number, they'll still leave.

Have Your Cake and Eat it Too

This is where the advice comes into play. Don't get wooed by technology alone. Don't settle for second-rate technology just for strong customer service. It's challenging to fill both shoes, but for a dealership to be truly satisfied with their vendor, they must take the time to find out how both sides of the coin work for that vendor.

This is where vetting comes into play. When taking a pitch from a vendor, be sure to write down all of the things that impressed you most about the technology. Test it out by finding dealers that are using the technology. Don't find 3 or 4. Find 20. Then call them. All of them.

When you call the other dealers, be certain to focus on the customer service component. The technology is important, but if their dealers have to waste too much time trying to get changes done to their website or are unable to have consultations on a regular basis with an expert at the vendor, they're probably not the right vendor for you.

Dealers no longer have to settle for anything less than the best of both worlds. For too long, they've trusted their vendors up until the point that they get fed up with the technology not working, the customer service falling short, or both. If you truly vet each potential vendor partner for both criteria, the result will be much better in the long term. It's not an easy process, but nobody likes switching vendors all the time. Find the right one right now and enjoy a long and mutually beneficial relationship with them.