What happens if the lender finds out about the arrangement?

Most auto loans have a due-on-sale clause, but in practice, lenders care about one thing: that the payments are being made on time.

Submit a Deal

Now Accepting Deals Nationwide

Creative Vehicle
Deals. Done Right.

Q: Is this legal?

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.

Q: How much does transaction coordination cost?

TC fees start at $1,050 and vary by vehicle type.

Q: What happens if the buyer stops paying?

Every deal includes contracts with clear default and remedy provisions, GPS tracking on the vehicle, and a structured process for what happens if payments stop.

Q: Do you handle deals across state lines?

Yes. We coordinate deals nationwide, including cross-state transactions.

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.

Submit a Deal See How It Works

200+ Deals Coordinated Trusted by the SubTo community Nationwide Coverage

Deal in Progress TC-2024-087

2021 Ford F-150 Lariat

Houston, TX

$32,400

Balance

$524

Monthly

52 mo

Remaining

$5,000

Entry Fee

Coordination Status 5 / 8

Intake Submitted Done
Transparency Call Done
Contracts Signed Done
Insurance Endorsed Done
GPS Installed Done
Payment Monitoring In Progress
Title Path Documented Pending
Keys & Delivery Pending

Deal Type

Sub-To · Take Over Payments

Seller Protected Buyer Protected

75%

Built on the T.O.P. Method — the first creative finance framework designed for vehicles

Full Contract Stack GPS Tracking on Every Deal Insurance Properly Endorsed Transparency Call w/ Both Parties Nationwide DMV Expertise Title Path Documented Full Contract Stack GPS Tracking on Every Deal Insurance Properly Endorsed Transparency Call w/ Both Parties Nationwide DMV Expertise Title Path Documented

200+

Deals Coordinated

24hr

Average Response Time

USA

Nationwide Coverage

Vehicle Categories

Cars Trucks SUVs RVs & Motorhomes Boats Motorcycles Exotics Commercial Aircraft Cars Trucks SUVs RVs & Motorhomes Boats Motorcycles Exotics Commercial Aircraft

The Problem

Creative Deals Without
Coordination Fail.

Creative finance vehicle deals are powerful — but only when executed correctly. Without professional transaction coordination, both parties are exposed to serious risk.

Without Coordination

Both Parties Exposed.

No contracts A handshake deal has zero legal recourse. If the buyer stops paying, the seller is on the hook with no documentation to enforce. Risk: default, credit damage, legal exposure
Wrong insurance If the buyer's policy isn't endorsed correctly, claims get denied. One accident and the seller is liable for damages on a vehicle they don't drive. Risk: uninsured liability, out-of-pocket costs
No tracking Without GPS and payment monitoring, the seller has no visibility. If the buyer disappears, recovery becomes a nightmare. Risk: lost vehicle, no recourse
No title path Buyers pay off a loan with no documented route to ownership. Sellers refinance or interfere. Nobody knows what happens next. Risk: paying off a loan with no transfer

With TOP Wheels

Both Parties Protected.

Full contract stack Seller finance agreement, POA, default clauses, remedy provisions. Every right and obligation documented and signed before keys exchange. Protection: legal enforceability, defined remedies
Insurance properly endorsed We know which carriers endorse creative finance arrangements and how to structure coverage so both buyer and seller are covered. Protection: valid claims, no liability gaps
GPS + payment monitoring GPS installed and active on every deal. Payments tracked monthly. If something breaks, the seller has visibility and recourse from day one. Protection: vehicle recovery, payment visibility
Title path documented Power of Attorney filed. Title transfer process documented. The path from final payment to clean title is mapped on day one. Protection: clean ownership transfer at payoff

The T.O.P. Method

Built on the Proprietary
T.O.P. Method.

T.O.P. stands for Take Over Payments — a proprietary framework that applies proven real estate principles to the vehicle space.

Subject-to (sub-to) deals

Seller finance arrangements

Lease options

Payment assumptions

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.

Intake

Submit Your Deal.

Fill out our intake form with the vehicle details, loan information, and terms both parties have agreed to. Takes about 5 minutes. We review every submission within 24 hours and schedule the next step.

Alignment

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 on both sides.

Execution

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 in parallel so the deal moves fast.

Closing

Green Light — Keys Exchanged.

Once everything is signed, verified, and locked in — we green light the deal. Vehicle transferred. Payments managed. Both parties protected through the life of the loan. 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.

Cars

Trucks

SUVs

RVs & Motorhomes

Boats

Motorcycles

Exotics

Commercial

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. Pick your pathway and let TOP Wheels handle the rest.

Submit Your Deal

You have a buyer and seller ready to go. Submit the deal details and let us take it from there — contracts, insurance, compliance, and closing.

Full coordination end-to-end
Contract stack execution
Insurance verification & endorsement
GPS & payment management setup
Multi-state DMV & title handling

Submit TC Intake

Book a Consultation

Not sure if your deal qualifies? Have questions about the process? Book a call with our team and we'll walk you through everything.

Understand the TC process in detail
Review your specific deal structure
Learn how both parties are protected
Answers from experienced coordinators
No obligation — just clarity

Book a Call

Looking to Buy or Sell?

If you're looking to sell your vehicle or find one to buy through creative finance, head over to SellFi — our marketplace platform.

List your vehicle for creative-finance sale
Browse available vehicles nationwide
No bank approval required for buyers
Sellers exit payments without going out of pocket
All deals coordinated through TOP Wheels

Visit SellFi

Coordinated Deal Example

See What We Actually Execute.

A real deal. A real truck. Real risk managed by professional transaction coordination. This is what TOP Wheels does.

2022 Chevrolet Silverado LT 4×4 — 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 every state. TOP Wheels knows the process inside and out — so you don't have to.

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.

Insurance That 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.

Non-Biased Execution

We don't take sides. Not the buyer's advocate or the seller's agent. We're neutral executors — making sure the agreed terms are documented, signed, and enforced.

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.

Founder's Note

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 · 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.

TC fees start at $1,050 and vary by vehicle type — motorcycles, regular vehicles, RVs, exotics, commercial, and aircraft each have a fixed fee. The TC fee covers the full coordination process: contracts, insurance verification, GPS, transparency call, and end-to-end deal execution. Everything is transparent — you'll know the exact fee before committing to anything.

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 nationwide — 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.

This is exactly why professional transaction coordination exists. Every deal we execute includes contracts with clear default and remedy provisions, GPS tracking on the vehicle, and a structured process for what happens if payments stop. The seller retains repo rights and legal protections through the contract stack. Without proper coordination, a seller has no recourse — with TOP Wheels, the protections are built in from day one.

Most auto loans have a due-on-sale clause, which technically gives the lender the right to call the loan due. In practice, lenders care about one thing: that the payments are being made on time. As long as the loan stays current, lenders rarely exercise this clause. Every deal we coordinate accounts for this — our contracts, insurance structure, and payment management are designed to keep the loan performing and both parties protected.

Get In Touch