<?xml version="1.0" encoding="UTF-8"?><rss version="2.0"><channel><title>Subprime Kings — Field Notes</title><description>Operating notes for used-car dealerships running subprime finance: lead flow, follow-up, pipeline, and inventory.</description><link>https://blog.subprimekings.com/</link><item><title>Buy-Here-Pay-Here Finance: Capital, Collections, and Compliance Basics</title><link>https://blog.subprimekings.com/blog/bhph-startup-capital-collections-compliance/</link><guid isPermaLink="true">https://blog.subprimekings.com/blog/bhph-startup-capital-collections-compliance/</guid><description>What you need to know about launching in-house financing: capital requirements, collections infrastructure, regulatory burden, and when the model makes sense for your dealership.</description><pubDate>Wed, 03 Jun 2026 18:24:21 GMT</pubDate><author>Marnus Enslin</author></item><item><title>Document Collection Workflow for Subprime Auto Deals</title><link>https://blog.subprimekings.com/blog/document-collection-workflow-subprime/</link><guid isPermaLink="true">https://blog.subprimekings.com/blog/document-collection-workflow-subprime/</guid><description>A step-by-step process for collecting pay stubs, ID, and references in subprime auto finance without manual tracking chaos.</description><pubDate>Thu, 28 May 2026 11:38:55 GMT</pubDate><author>Marnus Enslin</author></item><item><title>Framing Down Payment as a Path to Approval for Subprime Buyers</title><link>https://blog.subprimekings.com/blog/down-payment-subprime-approval-strategy/</link><guid isPermaLink="true">https://blog.subprimekings.com/blog/down-payment-subprime-approval-strategy/</guid><description>How to position cash down and trade equity as approval drivers, not obstacles, when selling to credit-challenged buyers.</description><pubDate>Thu, 28 May 2026 16:58:32 GMT</pubDate><author>Marnus Enslin</author></item><item><title>First-Call Qualification Script for Credit-Challenged Buyers</title><link>https://blog.subprimekings.com/blog/first-call-qualification-script-credit-buyers/</link><guid isPermaLink="true">https://blog.subprimekings.com/blog/first-call-qualification-script-credit-buyers/</guid><description>A practical phone script to qualify intent, budget, and documents in the opening minutes without losing subprime leads to competitor follow-up.</description><pubDate>Thu, 28 May 2026 14:08:42 GMT</pubDate><author>Jacques West</author></item><item><title>Building a follow-up cadence your sales floor will actually run</title><link>https://blog.subprimekings.com/blog/follow-up-cadence-sales-floor/</link><guid isPermaLink="true">https://blog.subprimekings.com/blog/follow-up-cadence-sales-floor/</guid><description>A practical rhythm for contacting subprime applicants that your team will execute. Realistic touch counts, sequencing, and ways to make follow-up stick.</description><pubDate>Thu, 28 May 2026 11:39:53 GMT</pubDate><author>Marnus Enslin</author></item><item><title>Match Inventory to Subprime Lender Appetite</title><link>https://blog.subprimekings.com/blog/match-inventory-subprime-lender-appetite/</link><guid isPermaLink="true">https://blog.subprimekings.com/blog/match-inventory-subprime-lender-appetite/</guid><description>Stock used cars that lenders will approve. Learn how to align inventory strategy with actual subprime underwriting criteria and avoid dead capital.</description><pubDate>Thu, 28 May 2026 11:39:23 GMT</pubDate><author>Jacques West</author></item><item><title>Structuring Negative Equity on Subprime Trade-Ins Without Overpromising</title><link>https://blog.subprimekings.com/blog/negative-equity-subprime-trade-structure/</link><guid isPermaLink="true">https://blog.subprimekings.com/blog/negative-equity-subprime-trade-structure/</guid><description>Practical strategies for managing upside-down trades in subprime deals. How to structure payments, buydown options, and customer conversations without creating compliance risk.</description><pubDate>Mon, 01 Jun 2026 19:22:03 GMT</pubDate><author>Jacques West</author></item><item><title>Packaging Subprime Deals for First-Time Lender Funding</title><link>https://blog.subprimekings.com/blog/package-subprime-deals-first-time-lender-funding/</link><guid isPermaLink="true">https://blog.subprimekings.com/blog/package-subprime-deals-first-time-lender-funding/</guid><description>Build deal jackets that match lender stip lists upfront to reduce kickbacks, re-contracts, and funding delays in subprime auto finance operations.</description><pubDate>Thu, 28 May 2026 13:54:15 GMT</pubDate><author>Marnus Enslin</author></item><item><title>Reading your pipeline: metrics that predict closed deals</title><link>https://blog.subprimekings.com/blog/pipeline-metrics-predict-closed-deals/</link><guid isPermaLink="true">https://blog.subprimekings.com/blog/pipeline-metrics-predict-closed-deals/</guid><description>Which rep-level KPIs—calls, texts, appointments, shows—actually forecast sales. A guide to pipeline visibility in subprime dealerships.</description><pubDate>Thu, 28 May 2026 13:19:26 GMT</pubDate><author>Jacques West</author></item><item><title>Why Subprime Approvals Aren&apos;t Converting to Deliveries</title><link>https://blog.subprimekings.com/blog/subprime-approvals-not-converting-deliveries/</link><guid isPermaLink="true">https://blog.subprimekings.com/blog/subprime-approvals-not-converting-deliveries/</guid><description>Diagnose gaps between approval and delivery in subprime deals. Close the funnel leaks costing you deals and revenue.</description><pubDate>Thu, 28 May 2026 17:11:51 GMT</pubDate><author>Jacques West</author></item><item><title>Why Subprime Leads Go Cold and How Speed-to-Lead Fixes It</title><link>https://blog.subprimekings.com/blog/subprime-leads-speed-to-contact/</link><guid isPermaLink="true">https://blog.subprimekings.com/blog/subprime-leads-speed-to-contact/</guid><description>Understand why resold lead lists cool fast and how response speed determines who closes subprime auto deals. Practical steps to compete on contact time.</description><pubDate>Wed, 27 May 2026 20:00:26 GMT</pubDate><author>Jacques West</author></item><item><title>Building a Subprime Lender Stack That Fits Your Lot</title><link>https://blog.subprimekings.com/blog/subprime-lender-stack-fit-lot-customers/</link><guid isPermaLink="true">https://blog.subprimekings.com/blog/subprime-lender-stack-fit-lot-customers/</guid><description>How to layer and choose finance sources by tier so more deals find a home. Practical guidance on stacking lenders for subprime dealerships.</description><pubDate>Fri, 29 May 2026 17:35:10 GMT</pubDate><author>Marnus Enslin</author></item><item><title>TCPA Compliance for Dealership Texting: Consent, Opt-Outs, and Timing</title><link>https://blog.subprimekings.com/blog/tcpa-compliance-dealership-texting-consent/</link><guid isPermaLink="true">https://blog.subprimekings.com/blog/tcpa-compliance-dealership-texting-consent/</guid><description>Plain-language guide to TCPA rules for auto dealer SMS campaigns. Learn consent requirements, opt-out handling, and safe timing practices to avoid costly violations.</description><pubDate>Fri, 05 Jun 2026 16:31:17 GMT</pubDate><author>Jacques West</author></item></channel></rss>