This is an important legal and regulatory notice relevant to the information included in the website. By accessing the Member Buyer Section, you agree to be bound by the following terms and conditions. Contents on this website are provided by us and our affiliates for informational purposes only and are subject to change without notice.

Not a Regulated Entity
We and our related parties are not conducting any activities that require authorization by any financial regulatory bodies. We are not a regulated entity, you must note the risk of dealing with an unregulated entity.

Not a Securities Dealer
We provide a web based platform for buy here pay here auto dealerships to sell their accounts receivables to lenders in an efficient manner. We do not engage in the dealing of securities. We are not a securities dealer.

Not a Credit Rating Agency
We may from time to time provide third party credit reports but we do not provide any credit rating services. We are not a credit reporting agency.

Not a Financial and/or Investor Advisor
We may from time to time provide instruction to members on how to use our platform. But we do not offer any tax, accounting, legal, trading, hedging, investment or financial advice. We are not a financial or investment advisor.

Know Your Customer (KYC) and Other Regulatory Requirements
In order to enable us to provide a sound and safe platform for our users and partners, we have an enhanced set of KYC processes and procedures. Due to compliance, privacy, and other regulatory concerns, we may request additional documentation for identification purposes as part of the sign-up process or membership maintenance requirements.

No Reliance
We have taken all reasonable care that the information contained within the website is accurate at the time of publication, but no representation or warranty (including liability towards third parties), expressed or implied, is made as to its accuracy, reliability or completeness by us and our affiliates.

No Warranty
We offer no warranty of any kind, either expressed or implied, any information and opinions contained on the website. We assume no responsibility for, and makes no representations and warranties that, functions contained on the website will be uninterrupted or error-free, that defects will be corrected, or that the website or the servers that make it available will be free of viruses or other harmful components.

SellYourBulk.com believes your business is no one else's. Your privacy is important to you and to us. So we'll protect the information you share with us. To protect your privacy, SellYourBulk.com follows different principles in accordance with worldwide practices for customer privacy and data protection.
We do not sell or give away our client name, mail address, phone number, email address or any other information to anyone.
We use state-of-the-art security measures to protect your information from unauthorized users.
We will ask you when we need information that personally identifies you or allows us to contact you. Generally, this information is requested when you create an account with SellYourBulk.com. We use your Personal and/or Business Information for four primary purposes:
To make the site easier for you to use by not having to enter information more than once.
To help you quickly find services or information.
To help us create content most relevant to you.
To alert you to product upgrades, special offers, updated information and other new services from SellYourBulk.com.
If you choose not to register or provide your personal and business information, you can still have limited access to certain part of www.SellYourBulk.com. But you will not be able to access areas that require registration.

If you decide to register, you will be able to select the kinds of information you want to receive from us by subscribing to various services, like our electronic newsletters. If you do not want us to communicate with you about other offers regarding SellYourBulk.com products, programs, events, or services by email, postal mail, or telephone, you may select the option stating that you do not wish to receive marketing messages from SellYourBulk.com.

SellYourBulk.com occasionally allows other companies to offer our registered customers information about their products and services, using postal mail only. If you do not want to receive these offers, you may select the option stating that you do not wish to receive marketing materials from third parties.

SellYourBulk.com has taken strong measures to protect the security of your personal and business information and to ensure that your choices for its intended use are honored. We take strong precautions to protect your data from loss, misuse, unauthorized access or disclosure, alteration, or destruction.

When you use our platform orders or access your personal and business account information, you're utilizing secure server software SSL, which encrypts your personal and business information before it's sent over the Internet. SSL is one of the safest encryption technologies available.

SellYourBulk.com strictly protects the security of your personal and business information and honors your choices for its intended use. We carefully protect your data from loss, misuse, unauthorized access or disclosure, alteration, or destruction.

Your personal and business information is never shared outside the company without your permission, except under conditions explained above. Inside the company, data is stored in password-controlled servers with limited access. Your information may be stored and processed in a country where SellYourBulk.com, its subsidiaries, affiliates or agents are located.

You also have a significant role in protecting your information. No one can see or edit your personal and business information without knowing your user name and password, so do not share these with others.

If for some reason you believe SellYourBulk.com has not adhered to these principles, please notify us by email at info@SellYourBulk.com, and we will do our best to determine and correct the problem promptly. Be certain the words Privacy Policy are in the Subject line.

As mentioned above, every registered customer has a unique profile. Each profile is assigned a unique membership number, which helps us ensure that only you can access your profile.

What we do with the information you share
When you join us, you provide us with your contact information, including your name and email address. We use this information to send you updates about your order, questionnaires to measure your satisfaction with our service and announcements about new and exciting services that we offer.

When you order from us, we ask for your credit card number and billing address. We use this information only to bill you for the product(s) you order at that time. For your convenience, we do save billing information in case you want to order from us again, but we don't use this information again without your permission.

We occasionally hire other companies to provide limited services on our behalf, including packaging, mailing and delivering purchases, answering customer questions about products or services, sending postal mail and processing event registration. We will only provide those companies the information they need to deliver the service, and they are prohibited from using that information for any other purpose.

SellYourBulk.com will disclose your personal and business information, without notice, only if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on SellYourBulk.com or the site; (b) protect and defend the rights or property of SellYourBulk.com and its family of Websites, and, (c) act in urgent circumstances to protect the personal and business safety of users of SellYourBulk.com, its Websites, or the public.

Cookie Policy
Our website uses cookies to give you the best possible experience on our website.

We use three types of cookies:
Basic operational cookies: These cookies ensure that our website runs smoothly, for example, by allowing you to log in to our platform.
Performance cookies: These cookies let us collect important information on how our website is used, allowing us to understand which areas of our website are the most important, or where users experience errors. All of this information is collected anonymously, and actions cannot be tied to the identity of individual users. These cookies expire after two years unless you delete them.
Targeting cookies: These allow us to track which users have visited our page, and are linked to marketing initiatives provided by third parties. These cookies expire after 6 months unless you delete them.
For further information regarding cookies and how you can delete these from your browser, please see: www.aboutcookies.org.

Terms and Conditions of Use

The following rules (“Terms and Conditions”) govern the use of the URL “www.SellYourBulk.com” (“the Site”) and the services that may be offered on each of the Site in addition to the master agreement you have entered with SellYourBulk.com (“SYB”). Please read the following Terms and Conditions carefully.

By using the Site, you understand and expressly agree to be legally bound by these Terms and Conditions and your master agreement with SYB and to follow these Terms and Conditions and all applicable laws and regulations governing the Site. SYB reserves the right to change these Terms and Conditions at any time, effective immediately upon posting on the Site. If you violate these Terms and Conditions, SYB may terminate your use of the Site, bar you from future use of the Site, and/or take appropriate legal action against you.

Copyrights and Trademarks of SYB

The Site is owned and operated by SYB. Unless otherwise specified, all materials appearing on the Site, including the text, site design, graphics, logos, icons and images, as well as the selection, assembly and arrangement thereof, are the sole property of SYB. Additionally, all audio and video clips are the sole property of SYB or SYB’s content provider. The content and software on the Site is the property of SYB and/or its suppliers and is protected by U.S. copyright law. You may view, download, print and retain a copy of pages of any of the Site only for your own personal use. Except as expressly provided above, you may not use, download, upload, copy, print, display, perform, reproduce, republish, license, post, transmit or distribute any information from the Site in whole or in part without SYB’s prior written permission. If you wish to obtain permission to reprint or reproduce any materials appearing on the Site, you may contact SYB contact us through the contact information in your master agreement. All rights not expressly granted herein are reserved.

The absence of a trademark, trade name or service mark from the above list does not constitute a waiver of SYB’s intellectual property rights concerning that trademark, trade name or service mark. The use of any of SYB’s trade names, trademarks or service marks without SYB’s express written consent is strictly prohibited. In order to maintain the value of these marks, it is important that they are used correctly. If you have any questions, you may contact SYB directly.

Permitted Use

You agree that you are only authorized to visit, view and to retain a copy of pages of the Site for your own personal use, and that you shall not duplicate, download, publish, modify or otherwise distribute the material on the Site for any purpose other than for personal use, unless otherwise specifically authorized by us to do so. The content and software on the Site are the property of SYB and is protected by U.S. and international copyright laws.

Copyright Policy

SYB may terminate the privileges of any user who uses the Site unlawfully to transmit copyrighted material without a license, express consent, valid defense or fair use exemption to do so. If you submit information to the Site, you warrant that the information does not infringe the copyrights or other rights of third parties.

Representations by You

By visiting the Site, you represent, warrant and covenant that (a) you are at least 18 years old; (b) that you are a resident of the United States; (c) you agree to abide by these Terms and Conditions and the master agreement; and (d) all materials of any kind submitted by you through the Site or for inclusion on the Site will not plagiarize, violate or infringe upon the rights of any third-party including trade secret, copyright, trademark, trade dress, privacy, patent, or other personal or proprietary rights.


During the registration process you will be asked to select a unique password for access to certain portions of the Site. You are responsible for maintaining the confidentiality of the password and account, and are fully responsible for all activities that occur under the password. By logging into the Site, you represent and warrant that: (i) you are the customer who registered for the services; (ii) that you are using the services only for permitted purposes; (iii) you are not a competitor of SYB, or agent thereof; (iv) you will immediately notify us of any unauthorized use of the password or account or any other breach of security; and (v) you will ensure that you exit from your account at the end of each session. Please notify SYB of any potential unauthorized use(s) of your account, or breach of security.

You also represent and warrant that: (i) you will not select or utilize a user name of another person with intent to impersonate that person; (ii) you will not select or utilize a user name in which another person has rights, if you do not have that person's authorization to use such name; and (iii) you will not select or utilize a user name that SYB in its sole discretion deems offensive.

Typographical Errors

In the event an offer, counter-offer, bid, bulk information, or other information on the Site is listed at an incorrect price or with incorrect information due to typographical error or error in pricing or product information received from another user of the Site, SYB shall have the right to refuse or cancel any bids, offers, acceptances, or counter offers placed for products listed at the incorrect price. SYB shall have the right to refuse or cancel any such orders whether or not the order has been confirmed and the sale price paid. If you have already been charged for the purchase and the purchase is cancelled, the seller shall be obligated to immediately refund the amount of the charge.

Order Acceptance Policy

Your receipt of an electronic or other form of order confirmation does not signify SYB’s approval of the purchase. SYB reserves the right at any time after acceptance to decline approval of the purchase as allowed in your master agreement and these Terms and Conditions. SYB may require additional verifications or information before approving any sale through SYB.


Each user of the Site shall be solely responsible for all sales taxes, or other taxes in relation to the services provided on the Site.

Links and Search Results

The Site may link to other sites operated by third parties. SYB has no control over other sites or their content and cannot guarantee, represent or warrant that the content of these sites is accurate, legal and/or inoffensive. SYB does not endorse the content of other sites, and cannot warrant that these sites do not contain viruses or other features that may adversely affect your computer. By using any the Site, you agree and understand that you may not make any claim against SYB for any damages or losses resulting from your use of the Site. However, if you have a problem with a link or other technical issue with the Site, please notify SYB and it will investigate the issue and take appropriate action.

Violation of the Terms and Conditions

By using the Site, you understand and agree that SYB, at its sole discretion and without prior notice, may terminate your access to the Site and to any services offered on the Site, and may remove any content or information from the Site you have provided (“User Content”) if SYB believes that the User Content violates or is inconsistent with these Terms and Conditions or your master agreement, or their intent, that your conduct is disruptive, or you have violated the law or the rights of SYB or another user.

License Granted by You

By providing User Content to us, which includes submitting or uploading content or materials for use and review on the Site, you represent and warrant that you are the owner of all rights to such content or materials and have expressly granted SYB the right to use all or any part of the content and materials provided by you. We may publish and distribute any such submitted content or materials at SYB’s sole discretion by any method now existing or later developed so long as consistent with your master agreement.

Compliance with Laws

You agree to comply with all applicable laws, statutes, ordinances and regulations regarding your use of the Site, the purchase or sale of contracts on the Site, or the use of services through the Site. SYB may, in its sole discretion, report actual or perceived violations of law as needed. If SYB becomes aware, through a complaint or otherwise, of any potential or suspected violation of these Terms and Conditions or the master agreement, SYB may (but is not obligated to) conduct an investigation to determine the nature and extent of the suspected violation and the appropriate enforcement action, during which investigation SYB may suspend services to any customer being investigated and/or remove any material from SYB’s servers. You agree to cooperate fully with any such investigation. You acknowledge that violations of the Terms and Conditions or your master agreement could be subject to legal remedies.


SYB welcomes all comments, feedback, information, or materials (“Feedback”) which you submit to us by email or otherwise through or in conjunction with the Site. Please note that Feedback shall be considered non-confidential and become the property of SYB. By submitting Feedback to SYB, you agree to a no charge assignment to us of all right, title and interest in copyrights and other intellectual property rights in regard to the Feedback. SYB shall be free to use the Feedback on an unrestricted basis.


You agree not to use the Site or any content contained in it for any illegal or inappropriate activities.


The Site may contain advertisements and/or sponsorships. The advertisers and/or sponsors that provide these advertisements and sponsorships are solely responsible for insuring that the materials submitted for inclusion on the Site are accurate and comply with all applicable laws. SYB is not responsible for the acts or omissions of any advertiser or sponsor.

Applicable Law

You agree that any legal action brought against us shall be governed by the laws of the State of Florida, without regard to conflict of law provisions. You agree that any litigation arising from your use of the Site shall be brought in the state of Florida. SYB makes no representations that the Site is appropriate for access outside the United States.


By using the Site, you agree to indemnify and hold SYB, its subsidiaries, affiliates, officers, agents and other partners and employees, harmless from any loss, liability, claim or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of your use of the Site, including providing a link to another site or uploading any content to such Site.


If any provision of the Terms and Conditions is held to be invalid, void or unenforceable, the remaining provisions shall nevertheless continue in full force and effect.


Section titles in the Terms and Conditions are for convenience and do not define, limit, or extend any provision of the Terms and Conditions.

  • Click below to visit defi EXCHANGE

  • If You Sell Your Auto Notes Why Waste Time Going From Lender to Lender? ACCESS THEM ALL AT ONCE! 15+ Lenders @ One Website! Instant Online Access to Multiple Lending Sources Competing to Purchase Your Auto Loan Portfolio!

  • Welcome Dealers!

    SellYourBulk.com is now defi EXCHANGE. Our online auto loan portfolio marketplace provides dealerships and other sellers of auto loan portfolios with direct access to multiple lenders offering a variety of programs for auto loan portfolio purchases.


    Whatever your reason for selling your auto loan portfolio our interactive portal puts you in control! We know you've got a business to run and your time is valuable.


    That's why we've developed a web-based portal that allows you to put your portfolio in front of multiple lenders and allows you to conduct and monitor all offer activity from the convenience of one website.


    Compare offers from multiple lenders, select the offer that best meets your needs, negotiate final terms, complete due diligence, proceed to closing, and get paid. IT'S THAT SIMPLE!

    Benefits Include But Are Not Limited To:

    • Our Service is FREE For Dealerships / Portfolio Sellers
    • No / Zero Obligations To Accept Offers
    • Multiple Lenders Competing To Purchase Your Auto Loan Portfolio
    • Reduce Time Spent Searching For Portfolio Buyers / Lenders
    • Reduce Servicing Overhead Costs & Collections Responsibilities
    • Improve Cash-Flow and Accelerate Profitability
    • Reduce Capital Exposure On Outstanding Debt
    • Enhance Operating Efficiency
    • Meet Scheduled or Unexpected Operating Costs
  • Programs Available via Some Buyers

    These Are Programs That Buyers/Lenders On The defi EXCHANGE Marketplace Offer

    Bulk Purchasing Program

    • A Minimum of 10 Loans Is Preferred
    • At Least 60 Days Aging Is Preferred
    • No Year, Make, Model or Mileage Restrictions
    • No Remaining Term Restrictions (shorter terms are better)
    • Loans Must Be No More Than 20 Days Past Due at Time of Data Export
    • Monthly, Semi-Monthly, and Bi-Weekly Payment Frequencies Accepted

    Please Note:

    Some Lenders Prefer At Least 10 Loans WIth a Minimum Remaining Principal Balance of $25,000.00. Most Lenders Prefer At Least 60 Days Aging. Some Lenders Will Have Restrictions & Therefore May Not Submit An Offer On Certain Makes or Units Over 12 Years Old at Time of Sale or With Over 150,000 Miles at Time of Sale. Some Lenders Will Not Make Offers On Any Loans With More Than 36 Months Remaining Term. Some Lenders Are More Lenient & Will Look At Any Loan Less Than 30 Days Past Due. Most Lenders Prefer Monthly Payment Frequencies.


    Lenders that are available via SellYourBulk.com all have differing programs, requirements, and due diligence processes so there may be times when certain lenders choose not to submit an offer on a portfolio due to certain criteria not being met or being outside of their allowable guidelines. Aside from those instances, generally most lenders are willing to and want to see portfolios that may not meet their typical guidelines therefore we elect not to restrict any portfolios.

    Payment Interval / Stream / Strip Purchase


    ​Get The Cash Injection You Need Without Giving Up Ownership Of Your Auto Loan Portfolio!

    • No Aging Requirements
    • Higher Advance Percentages
    • 3, 6, 9, and 12 Month Program Advances
    • Retain Back-End Contract Ownership
    • All Payment Frequencies Accepted
  • Attention Lenders & Independent Sales Agents

    Whether You're a Lender Looking To Access More Auto Loan Portfolios For Sale

    Or an Independent Sales Agent Looking To Create an Additional Source of Revenue...


    We're Here To Help!



  • Why Partner With defi EXCHANGE?

    If you're like most lenders you need a way to expand your reach and increase your 

    access to auto loan portfolios for sale without increasing your acquisitions costs.

    Grow Your Business, Not Your Costs!

    • It's Cost Effective / Reduces Acquisitions Costs
    • Immediate Access To More Portfolios For Sale
    • Compliments Your Existing Business Processes
    • Access New Markets Without Expansion Costs
  • Why Sales Agents Choose defi EXCHANGE

    Looking For An Additional Revenue Source?

    We're looking for individuals that are in unique positions currently within the automotive industry whereas these individuals meet with multiple dealerships each and every day.


    Successful candidates currently offer GAP, GPS, Extended Service Contracts, Financing, Advertising, or other services to automotive dealerships that provide in-house financing for their customers.


    If you work with dealerships that do in-house or buy-here pay-here financing our method could provide you with additional income without doing anything differently than you're already doing.

    A Great Product To Offer Your Clients!

    • Creates Another Income Producing Weapon For Your Arsenal of Product Offerings
    • Provides You With Access To Multiple Lenders For Purchasing Portfolios You Encounter
    • Creates Monthly Income Stream From Current Clients
    • Track All Of Your Portfolios From One Website
  • FAQ's

    Will our offers, processes, business information, and other data be kept private and secure?

    defi EXCHANGE provides a secure online platform allowing users to share information and transact business. All users (Buyers, Sellers, Independent Agents) are pre-screened and pre-qualified before being approved and granted access. While we do provide buyers with access to information about prospective sellers we do not share any information that could identify any specific customer on any loan within the portfolio. All necessary data required to price the portfolio and make an offer will be made available.

    What are the costs associated with using the marketplace?

    Dealers / sellers pay nothing. It's FREE!

    What type of loans can be posted?

    We do not have any requirements but many buyers will only make offers on portfolios that meet the following criteria:

    • Buyers prefer at least 10 accounts within the bulk portfolio but there is no minimum number of accounts

    • Accounts must be aged at least 30 days (must have made at least 1 month of regularly scheduled payments excluding pick-up payments)

    • No accounts more than 20 days past due at time of export

    • There must be less than 36 months remaining term on each account

    What if I decide not to sell my portfolio?

    There is no obligation to sell your receivables to any of the buyers that provide an offer unless you accept an offer and agree to terms of offer.

    Why should I use your service instead of submitting my bulk to the lenders myself?

    Submitting your bulk and tracking your offers can be both time consuming and cumbersome while absorbing valuable time you could be spending on growing and running your business. With defi EXCHANGE you submit your portfolio once and multiple lenders are alerted and all of your offers are returned to one place making it far more efficient for you to manage the process. Ultimately, this allows you to spend your time on what really matters and that is growing your business.

    Approximately how much will I get for my receivables? What percentage of principal and what percentage of gross?

    Each lender has their own methods, pricing strategies, processes and due diligence but most typically price bulk portfolios based on a variety of factors such as:

    • Balance in relation to current wholesale value

    • Remaining term and aging of the loan

    • Payment history / Delinquency history

    • Underwriting parameters initially used to approve loan

    • Year, Mileage, and Collateral type securing contract

    • GPS or Starter Interrupt Devices are included

    • How long seller has been in business

    • Why seller is looking to sell

    • If seller has sold previously