Our dealer partner program is a two-way referral relationship. We introduce buyers from the BCR Consulting credit network who are better prepared to shop — they understand their credit, their budget, and the paperwork a lender may ask for. In return, when a customer on your lot isn't ready, you can refer them to us for credit repair (through BCR Consulting) or financing guidance. Joining costs nothing, and approval on any deal is always up to the lender.
How the dealer referral relationship works
BCR Consulting works with many Central Texas consumers on their credit. When those clients reach the point where they are ready to shop for a vehicle, they often ask the same question: where should I go? Rather than sending them to whoever advertises the loudest, we introduce them to dealers we know and trust — dealers who treat credit-rebuilding customers with respect and structure deals honestly.
- We prepare the buyer. Before an introduction, our team talks with the customer about their credit, a realistic budget, down payment or trade-in, and the documents a lender may request — proof of income, residence, and insurance.
- We make a warm introduction. You get the customer's name, what they're looking for, and any context they've agreed to share, delivered by a real person on our team.
- You work the deal your way. Your finance office runs its normal process with its own lenders. We don't set terms, and we don't make promises on your behalf.
- The door swings both ways. When a shopper isn't ready — a recent denial, a thin file, errors on a report — you can send them to us instead of losing them for good.
What “better prepared” really means
We are careful about what we say to partners, just as we are with consumers. A buyer referred from our network is not pre-approved, and we can't guarantee any customer will be approved by any lender. What we can say is that these buyers are better prepared than the average walk-in with a credit history that needs work:
- They have reviewed their credit reports and understand what is on them.
- Many have addressed inaccurate or outdated items through a structured credit repair process.
- They have talked through a budget and know what they can realistically take on.
- They have been told which documents to bring, so your F&I team isn't chasing stips for a week.
Because many of these customers have improved their credit profile, some may qualify for better terms than before — but results depend on each customer's credit, income, the vehicle, and the lender's own guidelines.
Want to see if a referral relationship fits your store? It costs nothing to talk.
Talk to Our TeamRefer customers back to us
Every dealership has customers it can't help today: the buyer whose score dropped after a medical collection, the first-time shopper with no established credit, the customer coming off a repossession or bankruptcy. Those are real people who will buy a vehicle eventually — the only question is where.
When you refer them to Elite Auto Funding, our team can:
- Walk them through what may have caused a denial and what they can do about it (see denied auto financing).
- Introduce them to BCR Consulting if a credit repair review makes sense.
- Help them build a realistic readiness plan (see credit readiness).
- Send them back to you when they're ready to shop again, if they choose.
We also help drivers review and refinance existing auto loans after their credit improves. If a customer asks about refinancing a vehicle they already own, you're welcome to point them to our auto loan refinance guide.
Why dealers partner with us
A direct point of contact
You'll have a named person on our team to call or text — not a ticket queue. Questions about a referral get answered by someone who knows the customer.
No cost to join
There are no sign-up fees, monthly charges, or volume minimums. If the relationship isn't working for either side, it simply ends.
Relationship-based, not a lead list
We don't sell or blast customer information to multiple stores. Introductions are made one at a time, with the customer's permission.
Honest expectations
We never promise customers approval or a specific deal. That keeps expectations realistic when they arrive at your store.
Who is a good fit
We work with franchise stores, independent dealers, buy-here-pay-here lots, and credit unions or lenders serving Austin, San Antonio, and the surrounding Central Texas area. The partners who fit best share a few traits:
- A finance team willing to work with customers who are rebuilding credit.
- Clear, honest deal structure — no payment packing, no pressure on add-ons the customer doesn't want.
- Responsiveness: a referred customer should hear from you promptly.
- Willingness to send customers back when they need credit help before they can buy.
Elite Auto Funding is a Texas-licensed and bonded Credit Services Organization. We are not a lender or dealership. We may receive compensation for referrals as permitted by law, and we'll discuss any compensation arrangement openly before a relationship starts.
Frequently asked questions
Does it cost anything to join the dealer partner program?
No. There is no cost to join and no volume commitment. Complete the form or call (866) 540-4192 and we'll talk through how the relationship works.
Are referred buyers pre-approved?
No. Referred buyers are better prepared — they understand their credit, budget, and documents — but approval is always up to the lender after its own review. We never tell customers they are guaranteed financing.
Can I send customers who aren't ready to buy yet?
Yes. That's a core part of the program. We can offer financing guidance and, when appropriate, an introduction to BCR Consulting for a credit repair review under its own contract.
Do you share customer information with multiple dealers?
No. Introductions are made one at a time, with the customer's permission. We don't sell lead lists.
What areas do you serve?
Our network is focused on Austin, San Antonio, and Central Texas. If your dealership is elsewhere in Texas, reach out anyway and we'll let you know whether it makes sense.
Dealer partner inquiry
Tell us about your dealership and we'll follow up to discuss how the referral relationship works.
Ready now? Check refinance options (soft pull) · (866) 540-4192
Please don't send Social Security numbers, account numbers, or credit report files through this form. If documents are needed, we'll tell you how to share them securely.