Spartan Financial Partners, a division of American Credit Acceptance, specializes in providing cash solutions for Buy Here Pay Here dealers and Independent Auto Finance companies across the country. Explore how our flexibility, auto finance expertise, and industry experts can prepare your business for future growth with a Bulk Purchase or Line of Credit of Credit Program.

Year Founded


Contact Name & Title

Mike Toms
Director of Sales

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Our Strength

Spartan’s strength lies in the collected experience of our credit and investment teams and our ability to leverage our industry-leading auto finance expertise to assist our dealer and finance companies through all business cycles.

Our Value Proposition

  • Dedicated and experienced professionals
  • Flexible and unique deal structures that meet your business needs
  • Ability to increase cash to support your growth
  • Hassle-free, rapid closing process
  • Deep industry relationships
  • The power of the American Credit Acceptance platform: business knowledge, operating and compliance expertise, market intelligence

Our Programs

  • Bulk Purchase – Sell part of your receivables to raise cash quickly and reduce risk.
  • Line of Credit – Improve your operations and strengthen your financial foundation and controls.