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Kyle Heintschel,

National Sales Director

Glenview Finance

There’s always been a debate among buy here-pay here dealers as to whether to sell their finance contracts to a third-party capital provider, or hold on to the notes, assume all the risk themselves, and reap the financial rewards providing their customers pay as agreed.

There’s a lot to be said for operators holding notes who have enough capital on hand or can easily access the capital they need to grow their portfolio, absorb expected and unforeseen losses, manage a collections team, handle delinquencies, charge-offs, compliance issues, human resources, and the list goes on.

There are, however, many dealers who need steady access to capital, and don’t want to enter a complicated financial arrangement with a third party who provides a line of credit at high interest rates based on their portfolio performance.

Capital providers are obviously in business to create wealth for their enterprise. Providers that don’t ensure both their company and the dealers they serve are profitable, however, do a disservice to the industry, and will ultimately get hit by poor reviews from dealers and consumers alike, and potentially draw scrutiny by regulators, as well they should. Every deal should be good for the dealer, the consumer, and the capital provider. While the process can be a game of brinksmanship, it’s not overly complicated.

When finding a partner to provide capital for finance contracts, dealers should look at every aspect of the agreement, run the numbers for and anticipated time they expect to need cash, have their general counsel look over the contractual agreements, and closely scrutinize the policies and procedures that govern all aspects of the deals including but not limited to: marketing and advertising; disclosures; underwriting; collections; buy- backs; and of course GPS and insurance requirements. Dealers should be thorough, ask a lot of questions; and make sure the program meets their immediate needs, and can sustain their desired future growth.

So, who should consider a program like that provided by Glenview Finance:

  • Dealers who want to grow, and need access to capital

  • Those who don’t want to be burdened with hiring and managing a team of collectors

  • Dealers looking for another avenue to fund their subprime turndowns, or highly discounted contracts

  • Those looking to infuse their business with instant capital for new and existing BHPH accounts

  • Dealers wanting to accelerate their profits, and maintain steady back-end cash flow

  • Dealers who don’t want to make major changes to their operations and procedures to fit the demands of a third-party capital provider

  • Retail dealers who understand the importance of having multiple revenue opportunities

For more information contact me anytime at (713) 478-7455 or via email at

CHARLOTTE, N.C. — Glenview Auto Finance, capital provider to the subprime and buy here-pay here automotive retail industry, has announced that it has promoted Kyle Heintschel as its National Sales Director.

Heintschel, 42, of Houston, Texas, is a veteran automotive finance professional and joined the company in 2020 after long-term positions with capital providers in the Southwest. His first experience with the automotive retail industry was shortly after he left Texas A&M, when he joined Bossier Dodge as a sales associate.

“Kyle was an excellent regional sales director in Texas and has shown great leadership and we have full confidence he will continue to grow our sales and lead our team as we continue to expand,” said John Donaldson, Glenview Finance president.

Heintschel said he took over as sales director earlier this summer, and has been involved in hiring additional salespeople and working at developing a high performing team.

“It’s an exciting time to be in this business as auto retailers have a greater need for capital and require a partner like us that understands that it’s their success that drives ours,” Heintschel said. “We’ve been busy adding sales executives and look forward to finishing out the year strong.”

Donaldson said senior leadership has been focused on taking Glenview’s already robust technology to a higher level.

“We’ve been focused on this for the better part of this year and now as the process is nearing fruition we are confident that this will enhance our abilities to better serve our growing list of clients,” Donaldson said.

Heintschel has a wealth of experience in purchasing BHPH and deep subprime finance notes, and has demonstrated his ability to use that experience in developing the sales team, Donaldson added.

Glenview Finance, provides lines of capital by purchasing retail installment sales contracts from independent auto dealers. Its program, now available in in the Midwest, South, and Oklahoma and Texas, is designed for all independent auto dealers who want the ability to receive up-front cash flow, and participate in the back-end profit.

Heintschel is married to Heather and they have one son, Kyle.

For more information, visit or call (877) 413-5929.

About Us

Glenview Finance has more than a decade of experience in serving automotive finance professionals by providing them with a unique program designed to assist them with growing their business by providing them capital. Leadership at Glenview has nearly 100 years of experience in accounting, finance, and subprime finance. The company currently operations in 11 states on the Eastern Seaboard, the Midwest, and Texas. Call (877) 413-5929 and select Option #1.

Updated: Dec 14, 2022

FROM NONPRIME TIMES: Every creditor with sub-prime customers has experienced—on one occasion or another, we expect—someone judging it unfavorably for allegedly taking advantage of consumers by charging higher interest rates. READ MORE

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