Bulk Program

Spartan works one-on-one with you

to custom-tailor a solution to fit your business.


Selling a portion of your receivables allows you to raise cash quickly and reduce operating risks.

What are the Benefits?

  • Efficient and Precise Pricing for a Portion or all of Your Receivables
  • Ability to Purchase Small and Large Portfolios
  • Custom Price Offerings Specific to Your Dealership or Finance Company
  • No Underwriting Fees or Bonus Pools
  • No Customer Contact Required for Bids
  • Smooth Customer Transitioning Through Partnership Approach

Program Highlights

  • No Minimum Seasoning Required
  • Limited  Vehicle Restrictions Regarding Mileage, Year, and Make
  • Pricing Options include Recourse and Non-Recourse Programs
  • No Maximum Loan Terms
  • All Payment Frequencies Accepted

*As permitted by applicable law.


Selling a portion of your receivables allows you to raise cash quickly and reduce risk. With Spartan Financial Partners, the process is simple. Our team will work one-on-one with you to provide a custom solution to meet your business needs in only three simple steps!

Step 1

Complimentary, custom bid

Simply submit your data tape, including all the required documents via our secure online portal.

Step 2

Swift, no hassle diligence process

Our team will verify and review all the required diligence documents.

Step 3

Prompt, efficient closing

Submitting the required closing documents is the first part in our smooth closing process.



Create a Smooth Transition

In an effort to reduce recourse and improve the transition process, Spartan Financial Partners encourages you to contact account holders via letter or phone call.

Spartan Welcome Call

Customers will be informed their account has been purchased. We will answer questions about the transition and confirm customer contact information.

Spartan Welcome Packet

All new customers will receive a Welcome Packet that includes a Welcome Letter, Billing & Payment information, Debt Validation Letter, an ACH Autopay Form, and our Privacy Policy.


Below is a complete list of required data tape fields from your inventory. Please provide the following:

Account Information:

  • Account/Loan Number
  • Amount Financed
  • APR
  • Contract Date
  • Interest Type
  • Finance Charge
  • Interest Collected
  • Current Principal Balance
  • Down Payment & Deferred
  • Original Term
  • Payment Frequency
  • Payment Amount
  • Total of Payments
  • Last Payment Date
  • Next Payment Date
  • Months Remaining

Vehicle Information:

  • Vehicle Year
  • Vehicle Make
  • Vehicle Model
  • VIN
  • Mileage

Customer Information:

  • First & Last Name
  • Social Security Number
  • Street Address
  • City/State/Zip
  • Date of Birth
  • Home Phone
  • Cell Phone
  • Work Phone

Contact us to learn more about our requirements for the diligence and closing processes.

Frequently Asked Questions

Our transactions have a swift closing time and typically close in 7 to 10 business days.

The recourse period ranges from 31 days to 91 days with the most common recourse period being 61 days.

Spartan does not currently buy contracts secured by vehicles that have salvage/branded titles.

No. Spartan offers commercial lines of credit to dealers and finance companies through its Line of Credit as opposed to its Bulk Program.

The minimum portfolio size considered is $100,000.

We are usually able to offer a bid in less than 36 hours.

We send out welcome packets and make welcome calls. We can provide you (the dealer) with goodbye letters if desired. We work with Dealers and Finance Companies in all locations.

Spartan Financial Partners' Bulk Acquisition department works with dealerships that provide buy here pay here/in-house financing for customers.

Please call one of our Sales Representatives at (864)-256-2253 so they can walk you through the process!