The operating system for Buy Here Pay Here dealers

A BHPH-focused CRM built by dealers, for dealers.

Greenlight is purpose-built for Buy Here Pay Here. It’s your marketing, underwriting, and buying system in one place — scoring every customer and every deal, tying campaigns to funded cars, and teaching you how to buy and underwrite better based on post-sale loan performance. Websites included.

Waitlist openSee Greenlight in action — no pressure, no sales pitch.

We'll only use your info to reach out about early access. No spam.

Made by folks who’ve closed and contracted thousands of customers firsthand.

greenlightdealers.com/approved-cars/…
Your dealership
Cars you’re approved for, Tiffany
● 32 cars match
2019 Nissan Rogue S
2019 Nissan Rogue S
$16,988
201991,395 mi
2022 Chevrolet Equinox
2022 Chevrolet Equinox
$22,988
2022126,034 mi
2020 Chevrolet Malibu
2020 Chevrolet Malibu
$16,988
202098,023 mi
2021 Mitsubishi Outlander
2021 Mitsubishi Outlander
$18,988
202172,410 mi
Loan decision
● Approved
Max pmt $270.01 · Down $2,500 · 32 cars match
The problem

Most CRMs weren’t built for how BHPH actually works.

Leads slip through the cracks

Text threads, sticky notes, and half-filled apps. By the time a customer follows up, no one remembers what they were quoted.

Deals get restructured after approval

Sales quietly changes the down or the term to save the deal. Underwriting finds out at funding — if at all.

No one knows why grade-C deals underperform

You feel the pain in collections, but nothing in the tools connects deal grade to the actual portfolio performance.

The Greenlight way

One thread, from first ring to funded deal.

Every step of the BHPH lifecycle is a first-class screen — not a bolted-on module.

01New
Lead
Capture from web, phone, or floor. Every lead has an owner.
02In progress
Credit app
Text a link. Customer fills it on their phone. Auto-masked SSN, DOB, phone.
03Scored
Underwriting
Lock a customer score. Decision the loan with real max payment, down, and price.
04Locked
Deal structure
Four Square inherits the approval. Sales can't quietly break underwriting.
05Verified
Stipulations
Rows show Verified / Review / Missing. One-click stip bundle PDF.
06Sold
Sold
Final deal grade and customer grade snap onto the lead — forever.
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Product

Every part of the deal, tied together.

Approved-cars link

Send customers a branded page of cars they actually qualify for.

Text one link. They see your dealer branding, pick their down payment, and only see cars that fit their approval. When they book a visit, it lands on the lead in your CRM.

Fewer tire-kickers. More scheduled visits that actually close.
THE AUTO CAVE
Down payment
$2,500
$800 min$8,000
2019 Nissan Rogue
$16,988
2022 Chevy Equinox
$22,988
Underwriting workstation

Score once. Lock the whole deal downstream.

Run the customer, lock a score and grade, then decision the loan: max price, max payment, 1st due, verified income. Approve, Condition, or Deny — the entire lead flips state.

Set once, locked downstream. No more mystery restructures.
72
Grade C
Locked customer score
Tiffany Deaderick
Max price
$14,500
Max pmt
$270.01
1st due
07/28
Verified inc.
$3,850/mo
ApproveConditionDeny
Deal structure

A Four Square that respects the approval.

The deal structure page inherits the underwriter's decision. Sales can move the levers they own — but can’t quietly break the payment or down the underwriter approved.

Sales can’t break underwriting’s decision.
Four Square
● Approval locked
Sale price
$14,500
Down● Locked
$2,500
Payment● Locked
$270.01
Term
42 mo
Sales can adjust price and term. Down and payment stay inside the approval band.
Stipulations

Every stip in one clear state.

Rows show Verified, Review, or Missing — each with its own color rail and glyph, so a manager knows in one glance what’s holding up funding.

50 MB uploads · iPhone HEIC auto-converted · one-click stip bundle PDF.
Stipulations
Driver's license
Verified
Proof of income
Verified
Proof of residence
Review
References (5)
Missing
Download verified → one PDF, in order.
Underwriting intelligence

See how your grades really perform.

Track sales by grade, average down, and average APR. Upload your guidelines PDF and Greenlight summarizes your hard rules, levers, and required stips so the whole team follows the same book.

We sold 12 C-grade deals at 22% avg down, 24.9% APR.
Sold MTD
58
Avg down
22%
Avg APR
24.9%
Sales by deal grade
A
24
B
18
C
12
D
4
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Built by dealers
"We built the CRM we always wished we had — one that markets, underwrites, and helps us buy smarter."
— Greenlight founders, thousands of BHPH contracts closed and serviced firsthand

Made by folks who’ve closed and contracted thousands of customers firsthand.

Every screen came out of a real pain a dealer felt on a Saturday. Restructured deals that blew up in month three. Stips missing from the funding file. Marketing spend nobody could tie back to a sold car. Buys that looked great on the lot and hurt on the portfolio. Greenlight scores the customer and the deal, shows you which campaigns are actually working, and teaches you how to buy and underwrite better based on post-sale loan performance.

Helping BHPH dealers win is the point. One rooftop or ten, in-house portfolio or hybrid — this is the CRM built for how Buy Here Pay Here actually works. Websites included.

Who it’s for

Built for Buy Here Pay Here dealers.

New BHPH lots
5–50 units / mo

Get underwriting, stips, and deal structure right from day one — without duct-taping three tools together.

OUR SWEET SPOT
Established BHPH dealers
10–100 deals / mo · our sweet spot

Portfolio-aware selling, deal grades, and stip discipline — built for how in-house financing actually runs at scale.

Multi-rooftop BHPH groups
2–20 rooftops

One workspace per rooftop with roles, permissions, and portfolio reporting rolled up for ownership.

Reliability & security

Built like the funding file matters.

Per-dealership RLS
Row-level security on every table. Rooftops never see each other.
Workspace isolation
Your leads, deals, and grades stay inside your dealership by default.
SSR-safe architecture
Deep links load fast and reliably, even on the customer’s phone.
iPhone HEIC handling
Uploads from customer phones auto-convert to JPG/PNG. No dead files.
50 MB uploads
Big scans, DL photos, and pay stubs go straight through.
Multi-user & multi-role
Owners, managers, underwriters, sales — each with the right access.
Ready when you are

Greenlight is the CRM dealers would have built for themselves — because they did.

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