American Credit Acceptance, part of The Johnson Group, stands in solidarity with those who face racism and social injustice. Click here to read our full statement.

Our Background

Our Background

Spartan Financial Partners, a division of American Credit Acceptance, specializes in providing capital solutions that meet the distinct and underserved financing needs of buy here pay here dealers and independent auto finance companies nationwide.

Our flexible financial offerings, industry expertise, and commitment to being a value-added and user-friendly partner empower us to offer creative and competitive debt financing and portfolio acquisition financing solutions to dealers and finance companies across the country.


Our Story

Our Story

Since its founding in 2010, Spartan has focused on building asset-based lending and portfolio acquisition platforms focused strictly on serving the financial needs of buy here pay here dealers and indirect auto finance companies.

Spartan’s strength lies in the collected experience of our credit and investment teams and our ability to leverage our industry-leading auto finance expertise to assist our dealer and finance companies through all business cycles. Spartan is headquartered in Spartanburg, South Carolina with a vast network of dealer partners throughout the United States.


Our Value Proposition

Our Value Proposition

Spartan Financial Partners offers:

  • Dedicated and experienced professionals
  • The power of American Credit Acceptance platform: relationships, market intelligence, business knowledge, operating and compliance expertise
  • Flexible and creative deal structures with ability to meet financing needs
  • Ability to grow capital base with clients’ needs over time
  • Execution speed
  • Enhanced certainty of closing
  • Deep industry relationships

Bulk Purchase Program

Selling part of your receivables allows you to raise cash quickly and reduce risk.

Line of Credit Program

Improve your operations and strengthen your financial foundation and controls.

Client Testimonials

“Spartan Financial is a great company to do business with. They are very competitive when acquiring vehicle bulk paper portfolios. Their team is very professional and the whole process from pricing to post sales is quick and smooth. They have improved our business model to perform at a higher level. Spartan’s expertise gave us a clearer understanding of the auto finance industry and we have established a long-term business relationship with the Spartan team.”

– L.J.G., Spartan Client