#428 - BHPH on the Border: Managing Risk, Repos & Growth in El Paso

#428 - BHPH on the Border: Managing Risk, Repos & Growth in El Paso

From The Independent Dealer Podcast by Jeff Watson & Luke Godwin

April 23, 2026 · 43 min · Episode 428

About this episode

Cesar Stark discusses managing a buy here pay here dealership on the U.S.-Mexico border and shares insights from his 20+ years in the industry.

In this episode of the Independent Dealer Podcast, Jeff Watson and Luke Godwin sit down with Cesar Stark, CEO of S&S Motors and President of the El Paso Independent Automobile Dealers Association, for a deep dive into what it's like to run a buy here pay here dealership on the U.S.-Mexico border. Cesar shares how growing up across the border shaped his business, how the Mexican government's vehicle legalization program started costing him cars — and his liens — and why slow, disciplined growth has been the key to his 20+ year run in the industry.What You'll Learn:-How Cesar got his start in the car business after a career in insurance — and how that background led him to reinsurance-Why the Mexican government's vehicle legalization program became a major threat to BHPH dealers on the border-How selling notes early on kept the doors open — and why he hasn- t sold one in 6 years-The reinsurance strategy he wishes he'd started sooner-Why being deeply involved in TIADA and NIADA has been one of his biggest competitive advantages-What Cesar sees coming for the BHPH industry over the next 5-10 years — and why he's being careful about how fast he growsIf you're a buy here pay here…

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