About

Service Financial Company was founded to solve a growing problem: auto dealers and lenders needed a faster, more trustworthy way to recover value from charged-off auto loans.

We’re not a traditional debt buyer — we’re a dealer-focused partner that understands the balance between inventory, collections, and recapitalization. Based in Louisville, Kentucky, we serve clients across Kentucky and Indiana, helping BHPH dealers and finance companies turn non-performing auto loan portfolios into immediate working capital.

Service Financial Company was built by a close-knit team of two partners who share a deep background in the auto finance and dealership space. Two long-time business partners brought decades of industry experience running dealerships, managing lending operations, and buying and selling portfolios. The company, founded in 1994, was strengthened by the addition of a second-generation leader — a son with a strong foundation in analytics and portfolio strategy.

Together, they combined hands-on dealership and lending expertise with modern analytics to build a company focused on helping dealers move faster, smarter, and more profitably. Their experience means that when you call Service Financial Company, you’re speaking directly to the decision-makers who understand your business firsthand.

Their founding mission was simple: make it easier for dealers to get liquidity from accounts that would otherwise sit idle — and do it with speed, transparency, and personal service.