For individuals and small business owners with limited or poor credit, Buy Here Pay Here (BHPH) truck dealers serve as a unique and often essential alternative to traditional automotive financing. Unlike standard dealerships that rely on third-party banks, BHPH lots operate through in-house financing , meaning the dealership itself acts as the lender. This model prioritizes a buyer's current income and stability over past credit mistakes, providing a critical path to vehicle ownership for those otherwise locked out of the market. Core Mechanism of BHPH Financing
I’ve got an Msc from Heriot-Watt University, Edinburgh (1996), in addition a to a business administration degree the Norwegian School of Management (BI – 1994). Did my mandatory military service in between.
After university, I worked two years as an auditor (1996-1998).
I co-founded Aksjeforum.com in 1998/99 - one of the first websites about trading and investing in Norway. It was later acquired by Digi.no in 2001.
I have written 4 books about trading (in Norwegian). One of them has sold 30,000 copies, a record for a financial book in Norway.
From 2001 until 2018 full-time independent prop trader (Series 7 in 2001) and investor.
2018-today: Investor, writer, analyst.
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