Capital for the LHPH Industry

Creating financial flexibility one dealer at a time

Our Purpose

In 2010 we brought our consumer leasing expertise to the BHPH space and were immediately overwhelmed by the desire of dealers to offer Lease-Here-Pay-Here to their customers. The biggest challenge in the space was finding lenders, so we bridged that gap and became a lender to dealers for used car leasing.
We are experts in leasing and we truly believe in the benefits to the driver, the dealer, and the lender. We also want the dealer to be successful and not feel the typical burden of borrowing from big banks or financial partners who tend to over-leverage them. It’s important to us that we value each other, learn from each other, and enjoy our relationship from beginning to end.

LHPH Terry Bowdler

Terry Bowdler, CVLE
Founder & CEO

Terry has been in the consumer vehicle leasing industry for 39 years. He has been a lessor for over 30 years. He started Credit Union Leasing of America in 1988, and originated over $2.5 billion in credit union funded leases before selling to Westlake Financial Services on May 1st of 2017. Terry started LHPH in 2010 and originated over $100 million in deep subprime leases with Carite and Brite Leasing.

LHPH currently provides over $50 million of funding for LHPH and BHPH dealers. Terry has served on the board of the National Vehicle Leasing Association for over 15 years. His various positions included, National Legal Legislative Committee and First Vice President; Terry also launched the NVLA LHPH Division in 2012. Terry has also earned the professional designation Certified Vehicle Lease Executive in 1988.

LHPH George Klinke

George Klinke
Executive Vice President – Business Development

George has been in the auto financial services business for over 30 years. He helped create a major consumer leasing company in Dallas, Texas and then worked for GE Capital Auto Financial Services in various capacities for over 14 years. At GE, George was involved in the sales of leasing and was instrumental in the development of GE’s sub prime auto finance program.

Following GE in 1998, George organized and led the Great Lakes Region in Chicago for Fairlane Credit LLC leaving in 2000 to join Household Automotive Finance Company in San Diego, California. After leaving Household, George was Vice President of sales for the First American Corporation in their Vehicle Title Division for six years. Prior to joining LHPH in 2009, George was Executive Vice President of Sales for Integris Financial Inc.

LHPH Tim Lawrence

Tim Lawrence
Vice President – Business Development

Tim Lawrence has joined LHPH Capital after most recently serving several years as Regional Business Manager of Acumed, LLC. There he managed all Acumed dealers across nine states, including a $20MM+ sales channel with over 60 Independent Sales Consultants, $50MM+ in inventory, and all supporting operational business functions.

Previously Tim served in various sales and sales leadership positions in the medical device sector at both Zimmer and Biomet for close to a decade. Tim holds a Bachelor’s degree in Theology from PLNU, and a Master’s degree in Psychology from USD, and he is currently pursuing an MBA at PLNU’s School of Business. In addition, Tim is a certified Six Sigma Green Belt in operational excellence, and completed executive courses from both Matrix Achievement and Sen-Delaney Leadership Consulting Group.

We believe in challenging the status quo of subprime lending and
value our dealers as partners.
Contact Us Today!