Agora Press Release

Agora’s Chris Barry Featured in August 2020 Issue of BHPH Dealer Magazine Providing Auto Industry Insights Comparing Subprime and BHPH Finance Models

Arlington, Texas, August 13, 2020 ( – Agora Data, Inc., a finance solution provider of predictive loan technology, announced the publishing of a feature article in August’s BHPH Dealer Magazine titled, “Subprime vs. BHPH – The Models Compared” by Chris Barry, SVP of Sales, Agora Data.

In his article, Barry examines the differences between subprime finance and BHPH finance models as they pertain to revenue, losses, operating expenses, and interest costs to show why  he believes that one model is superior to the other.

When comparing one model to another Barry says, “As a subprime auto finance lender,  I never had the advantage of engaging with the customer from the beginning to the end of the loan lifecycle, nor did I have the ability to navigate the customer to their trade-in and next purchase, which is optimal.”

Barry continues to say, ”The subprime finance company model has scale and lower costs, but maximizing the collection of gross margin through the effective use of data and basic risk management techniques can make the BHPH model a far superior return on assets,” said Barry. “At the end of the day, the most important thing is collecting payments. After all, how much interest income does an auto dealer earn when they have to repossess a loan?”

The full article is available in the printed edition of the August 2020 BHPH Dealer Magazine or through their digital version at Barry Article and on Agora’s blog site at Agora.

Agora provides industry knowledge and financial solutions to help BHPH dealers reach their goals and grow their business by identifying ways to increase profits, convert loans to cash and access low   interest funding through capital markets.

About Chris Barry: Chris Barry is the SVP of Sales at Agora Data, Inc. His personal  mission is to help BHPH dealers maximize their dealership investment with industry-changing analytics and financial strategies that put them on a level playing field with other automotive dealers. He is an experienced auto finance leader with an extensive history of success in lending, servicing, and ancillary products with AmeriCredit, JP Morgan Chase, American Credit Acceptance and GWC Warranty. Barry joined Agora in 2018.

About Agora Data, Inc. Agora is re-inventing auto finance for BHPH dealers and finance companies. Founded in 2017 by a best in class team of professionals with experience from top financial and technology organizations, the company has successfully combined billions in historical loan performance data with experiences from top executives in auto finance to develop its AI-Infused predictive loan technology and modeling. Agora’s development of an easy to use platform with actionable dashboards provides direct access to the untapped BHPH auto market connecting dealers, sub-prime buyers, and capital market lenders with results-driven opportunities for growth and access  to capital. For more information, please contact Agora at (877) 592-4672 or

Source: Agora Data, Inc.

About AGORA Data, Inc.

Agora Data, Inc. (“Agora”), a Texas-based provider of AI-Infused technology solutions for the financial services industry.

Company Address

AGORA Data, Inc.
700 West Arkansas Lane (Suite 150)
Arlington, TX 76013
United States

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