At IDA Stream LLC

IDA Stream, LLC, a wholly owned subsidiary of IDA Acceptance 360, provides BHPH dealers with a Pathway to Profitability. By delivering an immediate capital infusion at loan origination, dealers can quickly recapture their investment, then age loans for six months before transitioning them to IDA Acceptance 360’s Bulk Purchase Platform.

This approach allows dealers to unlock equity while minimizing recourse risk, since IDA Acceptance services accounts from the start.

Backed by IDA Acceptance 360’s experienced leadership and proven track record in subprime auto finance since 2001, IDA Stream builds on a platform that also includes Point of Sale (POS) financing, bulk portfolio acquisitions, and third-party loan servicing. Together, these solutions provide dealers with reliable, end-to-end support designed to strengthen cash flow, reduce risk, and accelerate profitability.

Smart Account

Transitioning

After six months of consistent payment performance, your accounts can transition into the IDA Acceptance 360 Bulk Purchase Platform, helping you:

● Unlock equity established during the aging period
● Accelerate profits through strategic note sales
● Eliminate transitional recourse and buybacks

This two-phase structure empowers dealers to maximize liquidity, maintain control, and create a more profitable exit strategy.

Why Choose IDA Stream Over

Traditional Payment Stream Platforms

While competitor programs offer basic payment advances, IDA Stream delivers a more transparent, flexible, and dealer-first solution designed to support long-term growth and profitability-not just short-term cash flow.

Unlike other payment stream platforms that shift risk back on onto you, IDA Stream allows you to collapse recourse and eliminate buyback obligations once accounts transition to the IDA 360 Bulk Purchase Platform.