Your BHPH portfolio is leaking cash. Verifacto helps you find it, control it, and collect it.
Verifacto is one AI-powered operating platform that connects deal origination, loan servicing, collections, payments, insurance tracking, CPI, compliance and reporting — so every account, payment, lapse and task is managed from one place.
BHPH dealers don’t need another disconnected tool.
Most BHPH dealers don’t lose money on one big mistake. They lose it through hundreds of small missed follow-ups.
It doesn’t happen overnight. It happens slowly: one missed payment, one insurance lapse, one broken promise-to-pay, one manual follow-up that never happened, one report that came too late. By the time the problem reaches the owner’s desk, the cash has already leaked.
The problem isn’t that your team is busy. The problem is that your cash, insurance, payments and collections don’t live in the same system — they’re scattered across spreadsheets, vendors, employees and manual processes.
BHPH is a high-risk lending business. Run it like one.
This is a model built on tight collections, operational control and cash-flow discipline — not just on selling cars. And in Q3 2025, BHPH delinquency, default and repo rates ran significantly higher than traditional auto financing. Every gap between your systems is a gap money falls through.
Stop managing collections from yesterday’s reports.
When 14% of your balances are due weekly or bi-weekly, collections isn’t a monthly report — it’s a daily operation. Verifacto turns it from manual chasing into a controlled process:
-
📊
Collection management, built for BHPHDelinquency buckets from 1–7 days to 60+, broken promises and at-risk accounts ranked on one live dashboard. You know which accounts will roll next — before they roll into 30+/60+.
-
🧠
AI-based SMS & email that adaptsReminders change tone and content based on each customer’s behavior. A first-time slip gets a nudge; a repeat pattern gets firmer language and a payment link.
-
💳
Payment links & recurring paymentsBorrowers pay from their phone in seconds. Synced payments, predictable cash flow, fewer surprises.
-
👁️
Full visibilityEvery payment, promise and conversation logged in one place. No more “I thought she called him.”
“Verifacto has played a critical role in our company, allowing us to track auto insurance statuses and communicate effectively with the borrower when deficiencies were found. Verifacto’s system helped us increase the number of loans in the portfolio with proper insurance coverage. They reduced our losses and increased our profitability.”
Insurance lapses are not an admin problem. They’re a portfolio loss problem.
The car is the collateral behind every loan you carry. When a policy quietly lapses and the car is wrecked, you don’t lose a payment — you lose the entire balance. Tracking coverage manually across hundreds of high-risk borrowers is exactly where portfolios leak the most:
-
🛡️
Real-time insurance tracking (CIMS™)Every policy verified continuously. Lapse, cancellation or dropped coverage triggers an instant alert.
-
✉️
Automated borrower communicationProof-of-coverage demands go out the moment a lapse is detected, without your staff lifting a finger.
-
🔒
CPI management, built inIf the borrower doesn’t reinstate, force-placed coverage kicks in immediately. No waiting period, no naked collateral — and CPI premium adds to portfolio profitability.
-
📁
Expert claims & document managementClaims processed by specialists, every policy document in one place.
Seen enough? See it on your own portfolio.
Schedule a demo of the system and see exactly where your portfolio is leaking.
Your DMS shows the deal. Verifacto shows everything after the deal.
Inventory, sales, origination, financing, customer communication, payments, insurance, CPI, compliance, reporting — when each one lives in a different system, every handoff is a place money leaks. Verifacto runs the entire loan lifecycle from one AI-powered platform:
Why your best collector still can’t fix a broken workflow.
Your team isn’t the problem — the scattered process is. Verifacto’s AI agents work inside the platform, on your live data, closing the follow-up gaps no human team can cover alone.
The Analyst
Ask your portfolio anything, in plain English — and get a ready-to-work call list in seconds. Every answer comes from your live data, not last week’s spreadsheet export.
The Operator
Doesn’t just tell you what to do — does it. Sends the reminders, fires the payment links, updates the accounts. You approve the play; the agent runs it.
The Scheduler
Books payment arrangements and appointments straight into your calendar. Sends confirmations and reminders automatically, and chases no-shows without your team touching the phone.
Custom Agents
Every dealership runs differently. Build agents around your process — your collection scripts, your escalation rules, your paperwork — and they follow it exactly, on every account, every time.
Up and running in days, not months.
Connect your operation
Import your portfolio, or run origination, inventory and sales natively in Verifacto. QuickBooks syncs automatically.
The platform goes to work
Every loan, payment and policy monitored 24/7. Reminders, alerts, follow-ups and compliance logs run on autopilot.
You manage by exception
Dashboards show the accounts that need a human today. Everything else is already handled.
Count the leaks, not the features.
One prevented charge-off. One insurance lapse caught in time. One month of tighter collections. Each one pays for Verifacto many times over — and the core loan management system is free. You pay only for the premium services you use.
SOC-2 compliant · Shared data is encrypted and secured with high-security controls · Trusted by leaders in automotive lending
Dealers who stopped losing sleep over their portfolio.
“The team at Verifacto has provided us with a custom solution that enables us to operate with fewer staff, while allowing us to track our assets and reduce potential losses to our firm.”
“Verifacto has proven to be our best resource when it comes to insurance tracking. They offer many resources that are unparalleled to the competition.”
“Verifacto’s software helped us manage our insurance risk with minimum overhead. The integration of insurance tracking helps us to be effective and more compliant.”
Questions dealers ask us.
We already have a DMS. Why Verifacto?
How long does setup take?
What does it cost?
Will the AI agents talk to my customers without my control?
Is my data secure?
How much cash is leaking from your portfolio right now?
Fill out the form and we’ll show you the leaks you can’t see from your current reports — account by account.
6 Concourse Parkway, Sandy Springs, GA 30328