Built for Buy Here Pay Here

Your Lot. Your Paper. Your Brain.

20 modules built specifically for BHPH operations. Metro 2 reporting. GPS device management. Skip trace. Repo state rules. Collections AI. Portfolio covenant tracking. All in one perpetual license — replacing $6K–$12K/month in outside tools.

Metro 2 Reporting Built In Skip Trace Built In Collections AI Included State Repo Rules Embedded No Monthly Fees
The Real Cost of Fragmented Tools

The BHPH Stack Problem

Every BHPH dealer is duct-taping 4–6 tools together, paying monthly for each, and they still don’t talk to each other.

Current Reality — What You’re Paying Now
GPS devices (per unit/mo) $2,500–$3,500
Collections agency $2,000–$5,000
Metro 2 reporting tool $300–$500
Portfolio management software $800–$1,200
Skip trace (per search) $375–$500
Repo assignments ($250/repo) $250–$1,000
Total Monthly Burn $6K–$12K/mo
$72K–$144K/year — and none of these tools talk to each other
LouieAuto — Everything Integrated
Metro 2 reporting, preview, and submission
AI-powered collections automation
GPS device assignment and monitoring
Skip trace built into repo workflow
State-specific repo law workflows
BHPH underwriting with income verification
Portfolio health and covenant tracking
Customer self-service payment portal
AI delinquency predictor (before it happens)
$9,995
One time. All 20 BHPH modules. Zero monthly fees.
Replaces $72K–$144K/year in outside tools. Pays for itself in under 2 months.
20 BHPH Modules Included

Every Module a BHPH Dealer
Actually Needs

No à la carte pricing. No “contact sales for BHPH add-on.” All 20 modules are in your $9,995 perpetual license.

📊
Metro 2 Reporting
Generate, preview, and submit credit bureau data for your entire portfolio — all three bureaus, on your schedule.
📋
BHPH Underwriting
State-specific approval rules, income verification, debt-to-income calculation, and risk scoring at point of deal.
🏦
Risk Scorecard
Cohort analysis, stress testing, bank reporting, and portfolio covenant management — lender-ready at any time.
📞
BHPH Collections
Automated collection workflows, payment tracking, delinquency alerts, and escalation routing by account tier.
🚗
Repo Management
State-specific repo laws embedded, assignment tracking, skip tracing workflow, and redemption window management.
📡
GPS Device Management
Device assignment to VIN, real-time status monitoring, disable/enable workflows with compliance audit trail.
💻
Customer Payment Portal
Self-service payment portal for borrowers — payment history, upcoming due dates, and statement downloads on demand.
📈
Portfolio Analytics
Portfolio health dashboard, aging analysis, default prediction curves, and covenant breach early-warning system.
🏷
BHPH Inventory
BHPH-specific inventory pricing models, reconditioning cost tracking, and equity position per unit in your portfolio.
💵
Down Payment Manager
Down payment tracking and receipt management — dealer flooring position calculated per deal at point of sale.
🔍
Soft Pull Engine
Pre-approval soft pulls without affecting customer credit. Integrated with iSoftPull for seamless BHPH pre-screening.
🐧
Loss Mitigation
Early intervention workflows, payment modification tools, settlement offer management, and charged-off recovery tracking.
🤖
Collections Predictor
AI-powered delinquency prediction — flags accounts likely to go past-due before they do, so you can intervene first.
🔗
Secondary Finance Collections
Sub-prime lender collections coordination — track third-party paper, charge-backs, and recourse obligations in one place.
⚖️
BHPH Compliance
Multi-state BHPH compliance checklist, CFPB audit trail, Red Flag rules automation, and OFAC screening every deal.
🧾
BHPH Payments
Payment processing, receipt generation, late fee calculation, and NSF handling with automatic account updating.
📐
BHPH Accounts
Full account ledger per borrower — complete payment history, running balance, interest accrual, and payoff calculation.
📲
Collections Automation
Automated SMS and email sequences by delinquency stage — escalation rules, promise-to-pay tracking, and contact logs.
🔎
Skip Trace
Integrated skip trace workflow for hard-to-locate borrowers — batch processing, multi-source data lookup, and direct handoff to repo assignment.
🌟
Credit Coach Loop
AI-driven credit rebuilding program for BHPH borrowers — personalized coaching, on-time payment incentives, and bureau reporting milestone tracking.
Honest Side-by-Side

LouieAuto vs. Frazer and Alternatives

These are the tools BHPH dealers actually use. Here’s what you get — and what you don’t — with each one.

Feature LouieAuto Frazer DMS DT DMS
AI-powered underwriting
Metro 2 reporting built in ✗ add-on ✗ add-on
GPS device management
Collections automation (AI) Manual only
Delinquency predictor
Risk scorecard / covenants
State repo rules embedded
Skip trace built in ✗ external vendor ✗ external vendor
Fraud detection / OFAC screening Manual only
Price $9,995 once $175–$350/mo + add-ons $200–$400/mo + add-ons

Frazer and DT pricing based on published rates as of May 2026. Feature availability based on public documentation.

Production Data

Numbers from a Live Floor

1,167+
AI-Routed Finance Deals
Nov 2024–May 2026 · 5 rooftops · subprime & near-prime only
$312
PVR Lift
Per vehicle retailed, averaged across all 5 operator rooftops
47→9
Min. Stip Clearance
Before vs. after AI lender routing was enabled
Full methodology & data room →
One Price. Own It Forever.

$9,995. One time.
All 20 BHPH modules included.

Replaces $72K–$144K/year in outside tools. No monthly fees. No per-module add-ons. No vendor lock-in. Every future update included. You own the software the day you buy it.

No sales team. The founder ran a lot. They’ll answer BHPH-specific questions — Metro 2 setup, GPS integrations, what lenders want to see in your risk scorecard.  Email brian@louieauto.com

✓ 60-day money-back guarantee ✓ Zero-interest financing available ✓ Free lifetime updates
20 BHPH modules · $9,995 once
No monthly fees. Own it forever.
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