TOP Wheels is the nation's leading transaction coordination company for creative finance vehicle deals. Built on the proprietary T.O.P. Method — Take Over Payments — we handle the contracts, insurance, compliance, and execution so both parties are protected from start to keys.
Creative finance vehicle deals are powerful — but only when executed correctly. Without professional transaction coordination, both parties are exposed to serious risk. That's where TOP Wheels comes in.
For Sellers
Your Loan Is Still in Your Name
When a buyer takes over your payments, your name stays on the loan. Without proper contracts, insurance, and tracking in place, you're exposed if something goes wrong.
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No contracts = no protectionA handshake deal leaves you with zero legal recourse. If the buyer stops paying, you're on the hook — and you have no documentation to enforce the agreement.Risk: default, credit damage, legal exposure
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Wrong insurance = claim deniedIf the buyer's insurance isn't structured correctly, the seller's coverage won't hold up. One accident and the seller could be liable for damages on a vehicle they don't even drive.Risk: uninsured liability, out-of-pocket costs
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No tracking = no controlWithout GPS and payment monitoring, the seller has no visibility into the deal. If the buyer disappears or stops paying, recovery becomes a nightmare.Risk: lost vehicle, no recourse
For Buyers
You Need Security Too
Taking over payments on someone else's loan is a real commitment. Without a professional coordinator, the buyer has no guarantee the seller won't interfere, refinance, or pull the vehicle back.
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No contract = no proofWithout a legally structured agreement, the buyer has no documentation proving their rights to the vehicle. Payments made with nothing to show for it.Risk: eviction from vehicle, lost payments
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Title not secured = no path to ownershipWithout proper documentation and title arrangements in place, the buyer has no clear path to owning the vehicle once the loan is paid off.Risk: paying off a loan with no title transfer
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No neutral coordinator = no structureIn a private deal with no third party, there's nobody ensuring the process gets followed. A professional TC keeps the deal structured and both sides aligned from start to finish.Risk: miscommunication, missed steps, deal falling apart
The T.O.P. Method
Built on the Proprietary T.O.P. Method.
T.O.P. stands for Take Over Payments — sometimes called sub-to — but the T.O.P. Method covers all forms of creative finance for vehicles: seller finance, lease options, payment assumptions, and more. It's a proprietary framework that applies proven real estate principles to the vehicle space. TOP Wheels uses this method to structure, document, and execute every deal with the contracts, insurance, and protections that make creative finance work safely for all parties.
How It Works
Four Steps. One Coordinated Process.
You bring the deal. We execute it professionally. Here's exactly what happens when you work with TOP Wheels.
01
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Submit Your Deal
Fill out our intake form with the vehicle details, loan information, and terms both parties have agreed to. Takes 5 minutes.
02
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Transparency Call
We book a Zoom call with both the buyer and seller. We walk through the entire process, review the agreed terms, and make sure everyone understands what's happening and how they're protected.
03
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Contracts & Execution
We prepare the full contract stack — seller finance agreements, insurance verification, identity checks, GPS setup, Power of Attorney, and payment structure. Every detail, handled.
04
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Green Light — Keys Exchanged
Once everything is signed, verified, and locked in — we green light the deal. Vehicle transferred. Payments managed. Both parties protected. Done.
What We Coordinate
Any Vehicle. Any State. Done Right.
Every vehicle type has different insurance requirements, title rules, and lender nuances. A generic contract off the internet won't cover it. We know what's needed for each — and we build every deal accordingly.
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Cars
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Trucks
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SUVs
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RVs & Motorhomes
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Boats
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Motorcycles
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Exotics
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Commercial
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Aircraft
If it has a loan and both parties are ready — we can coordinate the deal.
Get Started
Ready to Coordinate Your Deal?
You've got a deal. We execute it. Submit your intake form and let TOP Wheels handle the transaction coordination from start to keys.
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Submit Your Deal
You have a buyer and seller ready to go. Submit the deal details and let us take it from here — contracts, insurance, compliance, and closing.
A real deal. A real truck. Real risk managed by professional transaction coordination. This is what TOP Wheels does.
2022 Chevrolet Silverado LT 4x4 — Dallas, TX
Coordinated by TOP Wheels
$38,500Loan Balance
$687/moMonthly Payment
56 moRemaining Term
TX → TXState Transfer
$4,170Entry Fee
3 DaysIntake to Keys
Without TC (Handshake Deal)
No contracts = no legal protection
No insurance endorsement = liability gap
No GPS = no recovery if buyer disappears Both parties fully exposed
With TOP Wheels TC
Full contract stack executed
Insurance properly endorsed for both
GPS installed + payment tracking live Both parties fully protected
Seller Outcome
Exited $687/mo payment obligation
Protected by contracts + GPS + POA
$0 out of pocket to walk away Seller saved $8,500+ vs. selling traditionally
Buyer Outcome
Got into the truck at existing loan terms
No bank needed, no credit check
Secured by contracts + insurance + title path Buyer saved $15K+ vs. dealership financing
✓ Deal intake and terms review
✓ Transparency call with both parties
✓ Full contract stack preparation and execution
✓ Insurance verification and proper endorsement
✓ GPS tracking installation and activation
✓ Payment management and monitoring setup
✓ Power of Attorney and title protection
✓ Identity verification for both parties Full coordination — intake to keys in 3 days
Professional Coordination
Both Parties Protected
The deal only works when it's done right. TOP Wheels made sure both sides were secured, documented, and covered — from intake to keys.
Why TOP Wheels
We Know What Most People Don't.
Creative finance vehicle deals touch insurance, lenders, DMVs, contracts, and compliance across 49 states. TOP Wheels knows the process inside and out — so you don't have to.
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Multi-State Expertise
Every state has different DMV rules, title transfer processes, and registration requirements. We know how to navigate them all — including cross-state deals.
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Insurance That Actually Works
Not all insurance companies endorse creative finance arrangements. We know which ones do, how to structure the policy, and how to get both parties properly covered.
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Non-Biased Execution
We don't take sides. We're not the buyer's advocate or the seller's agent. We're neutral executors — our job is to make sure the agreed terms are documented, signed, and enforced.
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Protection Beyond Closing
GPS monitoring, payment tracking, insurance compliance, and repo rights. Our coordination doesn't end at closing — it runs the life of the deal to protect both parties.
"We're not here to find you a deal. We're here to make sure the deal you already have gets done right."
— Mike Davis, Founder of TOP Wheels & Creator of the T.O.P. Method
The Team
Who's Behind Every Deal.
Professional coordination means real people managing real deals. Here's who's making it happen.
Mike Davis
Founder & CEO
Creator of the T.O.P. Method. Built the proprietary deal structure, contract framework, and coordination process that powers every TOP Wheels transaction.
Julie Daniels
Head of Operations
Oversees deal coordination and ensures every transaction meets TOP Wheels' standards for safety, compliance, and speed.
Aimee Minier
Transaction Coordinator
Manages deal execution from intake to close — contracts, insurance verification, documentation, and making sure nothing falls through the cracks.
Questions
Let's Clear Things Up.
Transaction coordination (TC) is the professional execution of a deal. When a buyer and seller agree to a creative finance vehicle transaction, TOP Wheels handles everything required to make it legally sound, properly insured, and fully documented — contracts, identity verification, insurance endorsement, GPS installation, payment setup, and title protection.
TOP Wheels is a transaction coordination company — not a matchmaking service. We execute deals that already have a willing buyer and seller. If you're looking to buy or sell a vehicle through creative finance, visit SellFi at sellfi.io.
Almost any vehicle with an active loan: cars, trucks, SUVs, RVs, motorhomes, boats, motorcycles, exotics, commercial vehicles, and even aircraft. If there's a loan and both parties are ready, we can coordinate the deal.
Yes. Creative finance (including subject-to and seller finance arrangements) is a well-established strategy used in real estate for decades and now applied to vehicles through the T.O.P. Method. TOP Wheels uses proper contracts, insurance requirements, GPS tracking, and structured documentation on every deal to ensure compliance.
Both parties are protected through comprehensive legal contracts, properly endorsed insurance, GPS tracking, Power of Attorney for title matters, payment tracking and monitoring, and repo rights. When insurance is set up properly, carriers actually endorse these arrangements. Our job is making sure every protection is in place before keys are exchanged.
TOP Wheels charges a transaction coordination (TC) fee for managing the deal end-to-end. Fees vary based on vehicle value and deal complexity. Everything is transparent — you'll know the full fee structure before committing to anything. Submit an intake form or book a call for specifics.
Most deals close within 3-7 days from intake to keys. After you submit the intake form, we review it and schedule a transparency call with both parties. Once everyone is aligned and contracts are signed, we move fast on verification, GPS setup, and closing.
Yes. We coordinate deals in 49 states — including cross-state transactions. Every state has different DMV rules, title transfer processes, and registration requirements. Our team knows how to navigate these differences so the deal is executed properly regardless of where the buyer and seller are located.
Get In Touch
Ready to Start Your Deal?
Have a creative finance deal that needs professional coordination? We're here. Submit your deal, book a call, or reach out directly — we respond within 24 hours.
