Dealers claim lenders speak different language when seeking loans

Dealer Ray Lyle said bankers wouldn't talk to him until he won national award

BHPH dealers understand they're asking for money to loan to customers rejected by banks

Experts say dealers, lenders need to be aware of each others' businesses

Many dealers don't have business plan to help guide banks

Must also be willing to share all financial information

Even employee salaries; high salaries indicate dedication to future

References, visuals of operation also help in convincing lenders

"Most banks just aren't familiar with a used-car operation. They just don't understand what you do and how you do it." -- Ray Lyle, BHPH dealer with locations in 2 states

"You have to show that the customers they're looking to finance are coming through your door." -- Steve Hall, CEO, Driver's Select