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    <title>Carpay Blog</title>
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    <description>Practical writing for Buy Here Pay Here dealers: payment collection, delinquency, dealership economics, and the process behind a book that performs.</description>
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    <lastBuildDate>Thu, 31 Jul 2026 09:00:00 -0700</lastBuildDate>
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      <title>Every car you sell is a bet. The process is how you stack the odds.</title>
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      <pubDate>Thu, 31 Jul 2026 09:00:00 -0700</pubDate>
      <author>Matt Darling (Head of Revenue, Carpay)</author>
      <category>Dealership Economics</category>
      <description>You can't control the person who drives off your lot. You can control everything that happens after. Why most BHPH losses are process losses, not bad bets — and how dealers stack the odds.</description>
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