Built for Buy Here Pay Here

Your Lot. Your Paper. Your Brain.

20 BHPH-specific modules — included in your full 900+ capability · 900+-capability license, not a stripped-down version. Metro 2 file generation (e-OSCAR-ready). GPS device management. Skip trace. Repo state rules. Collections AI. Portfolio covenant tracking. One perpetual license — replacing $6K–$12K/month in outside tools.

► Join the Waitlist View Pricing →
✓ Metro 2 File Generation 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 file generation 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 file generation, preview, and export (you submit via your own e-OSCAR membership or furnisher agreement)
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)
$24,995
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 BHPH modules are included in your $24,995, 900+ capability perpetual license.

📊
Metro 2 File Generation
CDIA Metro 2 standard format for Experian, TransUnion & Equifax — generate, field-validate, and preview your whole portfolio on your schedule, with a dispute/correction log on every account.
📋
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
Hardware-agnostic across PassTime, Spireon, Ituran & CalAmp — keep the devices already in your fleet. VIN assignment, live status, and starter disable/enable with a state-compliant notice 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. legacy independent DMS 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 legacy independent DMS DMS DT DMS
AI-powered underwriting ✓ ✗ ✗
Metro 2 file generation 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 $24,995 per rooftop, once $175–$350/mo + add-ons $200–$400/mo + add-ons

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

Operator Results

One Store. Illustrative Numbers.

Illustrative example, [Example Dealership] · Mid-South region · 380 active accounts · hybrid BHPH/indirect mix — modeled on the founder's own operator experience, not a named external customer

Before Collections Predictor
18.4%
Portfolio delinquency rate
6.2 repos/month avg · $340/repo skip trace vendor cost · 11.2 days avg to locate
After 90 Days on LouieAuto
11.2%
Portfolio delinquency rate
3.8 repos/month · $0 skip trace (built in) · 4.3 days avg to locate
$67K
Charge-offs avoided / year
2.4 fewer repos/mo × avg $2,300 net loss per repo
$25K
Skip trace savings / year
6.2 repos/mo × $340/repo eliminated · skip trace now $0
62%
Faster locate time
11.2 days → 4.3 days avg. Pre-repo intervention triggered before most skip traces needed
$92K
Total annual impact
Charge-offs + skip trace + reduced collection staff hours. Paid for itself in 39 days.
Illustrative example based on simulation data, modeled on a January–March 2025 scenario (90 days) using the founder's own operator experience and the AI simulation engine — not a named external customer or independently audited deployment. Delinquency measured as 30+ DPD accounts as % of active portfolio. Individual results vary by portfolio mix, market, and staff adoption. Full methodology available on request. Full data room →
Demo Data · Louie Auto Group

Sample Outputs from a Live Demo Floor

1,167+
AI-Routed Finance Deals
Nov 2024–May 2026 · simulation · national statistics · subprime & near-prime only
$312
PVR Lift
Per vehicle retailed, averaged across all 5 simulated dealerships
47→9
Min. Stip Clearance
Before vs. after AI lender routing was enabled
Full methodology & data room →
For First-Time BHPH Operators

Starting your first BHPH lot?
Louie guides you from zero.

Most BHPH operators start with a pen, a paper pad, and a spreadsheet. That’s how you lose money. Louie gives you the full BHPH stack on Day 1 — before your first car is on the lot.

BHPH Dealer License

Some states require a separate BHPH dealer license. Louie’s startup guide covers your state’s specific requirements — NABD membership, licensing fees, and the compliance checklist before your first lot opens.

F&I Dollar

Collections from Day 1

Louie tracks every payment, automates early-stage collection alerts, and flags delinquencies before they compound. The average BHPH dealer earns 2.5x the sale price over the life of the note — if collections are managed correctly.

📡

GPS & Compliance Built In

GPS device management, Metro 2 file generation, and OFAC screening — all inside Louie. OFAC is live on every deal. Metro 2 file generation is built in (bureau submission requires e-OSCAR membership). GPS management requires a GPS device vendor account (Spireon, BrickHouse, or similar) — Louie manages the data, you choose the hardware.

Start Your BHPH Lot with Louie →

State APR Caps — Hardcoded In

13 States. Compliant by Default.

Louie has state-specific APR caps, UDAP statutes, and BHPH compliance rules baked in for 13 states. The desk auto-flags any deal that would exceed the legal maximum — before you print the contract.

🏛 California
🤠 Texas
🌿 Illinois
🌴 Florida
🗽 New York
🌲 Washington
🎸 Tennessee
🍑 Georgia
🌵 Arizona
🌻 Missouri
🌾 Ohio
Routing Nevada
🌹 Virginia

More states added regularly. Rate caps sourced from state statutes and updated with each release.

Metro 2 Savings Calculator

How much are you paying for Metro 2 today?

Standalone Metro 2 filing services typically charge $500–$800/month. Louie includes it in your $24,995 one-time license.

Annual cost
$7,800
3-year cost
$23,400
vs Louie
$3,405 net savings

Comparison: standalone Metro 2 service × 36 months vs. Louie one-time license ($24,995). Louie includes Metro 2 plus 219 other modules.

Talk to the Founder →
One Price. Own It Forever.

$24,995. 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. Runs on your hardware — your database stays on your server. You own the software the day you buy it.

Talk to Us → ► Join the Waitlist

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 ✓ Your database stays on your server
20 BHPH modules · $24,995 per rooftop, once
No monthly fees. Own it forever.
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