About BMAC – Secret of our Success

BM Auto Capital, LLC (BMAC) is a privately held finance company that specializes in bad credit auto loans and in the acquisition and servicing of sub-prime and non-prime automotive retail installment contracts. Headquartered in South Florida, BMAC originates indirect retail installment contracts through a network of independent car dealers throughout the United States.

All collections and servicing are performed in-house from its central facility located in the Ft Lauderdale area of Broward County. Our success is based on one simple philosophy –to help our Dealers sell automobiles by providing the most cost effective financing solutions available.

BMAC has established its reputation based upon:

  • Fast Approval Times – including instant SMS text messages upon approval.
  • Consistent and reliable approvals.
  • 24 Hour Funding
  • Competitive economics with an Industry leading approval rate
  • Expert In-House collections and recovery
  • Multilingual customer service
  • Personalized service with the ability to approve funding others will not consider


BMAC has invested heavily in technology in every aspect of its operation and this investment has resulted in unparalleled efficiencies and mobility in accessing and analyzing the critical path of all transactions. We have developed an industry leading web-based loan origination and tracking system for our Dealers which will result in almost instantaneous loan originations and will provide the following functionality:

  • Web-based loan origination with automated approvals in most cases
  • Dealer portal to Track the status of applications and active loans in real time
  • Customer Portal to track the status of loans, payments payoffs etc.
  • Electronic Title integration to ensure faster funding of loans
  • Electronic Insurance tracking to maintain collateral protection
  • Integration with various vehicle tracking systems where applicable.
  • Sales team are equipped with the latest in mobile devices to ensure the reliable communications 24/7 between the dealership and the corporate office.

Market & Product Mix:

BMAC maintains a strict adherence to the tenets of proven Buy-Here-Pay-Here deal structure: heavily driven by equity, short-term exposure, high yields and discounts.

Market Representation:

Given our loan profile focus on the non-conforming customer/vehicle demographic, BMAC loan originations are heavily oriented toward the independent, non-franchised dealer.