Dealer Success Stories
Champion Auto Sales Increases Profitability and Reduces Operational Risk Through Subprime Financing With Agora
Dealership Snapshot
Champion Auto Sales
Champion Auto Sales is a family‑run independent dealership serving customers across North Florida, Georgia, and Alabama. Known for its expansive inventory and commitment to quality pre‑owned vehicles, Champion takes pride in offering personalized service built on trust and long‑term relationships.
Finance Manager Junior Jubran brings more than seven years of industry experience to the business, alongside a family legacy of over 15 years operating dealerships. Since joining the family operation, Junior has been instrumental in modernizing processes while maintaining Champion’s core focus: helping customers find dependable vehicles that fit their needs and budgets.
- Dealer
Junior Jubran
- Location
Tallahassee, FL
- Customer Focus
Subprime, first‑time, and non‑prime vehicle buyers
- Vehicles Sold Every Month
2 Additional Sales
- Time in Program
2 years
- Deals Completed
200+
The Opportunity
Before partnering with Agora, Champion Auto Sales operated under a Buy Here, Pay Here model—one that placed significant operational strain on the dealership. Internal collections created daily friction:
- Time‑consuming payment tracking
- Stressful customer follow‑ups
- Repossessions and disputes occurring on the lot
- Constant distraction from sales and growth
“The biggest pain point for us was just chasing customers for payments,” Junior explained. Each day began with reports, calls, and conflict—often in front of other customers. While collections were profitable, they came at a cost: stress, operational inefficiency, and limited scalability.
Champion needed a modern financing solution that allowed them to sell more vehicles without absorbing the operational burden of managing contracts internally.
Why They Chose Agora
Champion Auto Sales partnered with Agora as part of a broader strategy to move away from internal contract management while still retaining long‑term financial upside.
What immediately stood out was Agora’s ability to let the dealership earn over the life of the contract—without the headaches of in‑house collections.
“Basically, you’re getting the outside financial help, and you’re getting that extra profit earned every month,” Junior shared.
Just as important was deal flexibility. Junior stated, “Agora teaches you how to make money and gives you the freedom to sell more cars.”
Junior also values how responsive and transparent Agora is throughout the process. Deals are easy to track, answers are clear, and communication is consistent—eliminating uncertainty for both staff and customers.
“Agora is the fintech leader that’s going to help me grow to the number of sales that I want for my dealership.”
Junior Jubran
Champion Auto Sales
Hands‑On Support
Transitioning away from Buy Here, Pay Here came with a learning curve, but Agora played an active role in guiding Champion through new deal structures and execution strategies. During onboarding—and even after the partnership was established—Agora remained engaged, proactively stepping in when sales slowed to help refine processes and restore momentum.
As Junior put it, “Even after Agora signed us up, they helped me understand how to structure deals and grow with the program.” That level of support resonated with the family‑owned dealership, where trust and alignment matter deeply. Junior noted that “every relationship is a two‑way street,” adding that working with Agora “feels like family.”
As confidence in the partnership grew, Champion began replacing other lenders with Agora, viewing the platform as a long‑term solution capable of supporting the dealership’s sales and growth goals.
Growth With WealthBuilder
The impact on Champion’s business has been measurable.
Since adopting Agora, Junior reports:
- ~15% increase in sales volume
- Up to 2 additional vehicles sold per month directly attributable to Agora
- Reduced operational stress
- Increased confidence working with subprime buyers
Agora also unlocked the WealthBuilder component of the platform—creating ongoing income as contracts perform.
“I don’t have to worry about replacing that vehicle I just sold,” Junior explained. “The additional money helps me replace a vehicle and leaves me with extra money to keep growing.”
200+ Deals
Completed in two years with Agora
15+ Years
As a family‑run dealership
15%+ Increase
In sales volume because of Agora
Expanding Access for Underserved Buyers
Agora also opened Champion’s doors to new customer segments.
“Working with Agora gives me confidence in working with subprime customers,” Junior said. “Their program is not just for subprime—it’s good for first‑time buyers.”
Historically, first‑time buyers posed challenges due to limited credit history. Traditional banks either declined applications outright or required large down payments that strained customers’ budgets.
By leveraging alternative data—not just FICO scores—Agora allows qualified buyers access to vehicles they actually want, with reasonable payments and manageable upfront requirements.
Repeat Business Built on Trust
By expanding financing access responsibly, Champion gained something just as valuable as higher volume: customer trust.
“The hardest thing to gain in a customer interaction is trust,” Junior explained. “You make the most money on repeat customers because there’s trust.”
Agora’s model allows Champion to prioritize volume and relationships without sacrificing sustainability—earning long‑term profit from contracts without the stress of collections.
“Agora gives you a platform where you can actually grow, make money, and sell more cars,” Junior said. “It’s not just what you get right away—it’s also the money you get until the customer pays off their note.”
The Bottom Line
Champion Auto Sales uses Agora to:
- Increase approval rates for subprime and first‑time buyers
- Eliminate in‑house collections and operational friction
- Add up to 2 incremental vehicle sales per month
- Retain long‑term contract profitability
- Reduce risk while scaling sales volume
- Build trust‑based, repeat customer relationships
By replacing operational stress with fintech‑driven efficiency, Champion Auto Sales has transformed subprime financing into a scalable, low‑risk growth strategy.