Advanced Business Computers of America (ABCoA), Inc. is a premier software development firm headquartered in Jacksonville, Florida, that has specialized in end-to-end enterprise solutions for the subprime finance and automotive industries since its inception in 1983. ABCoA is widely recognized for its flagship product, Deal Pack, which has evolved into a comprehensive vertical ecosystem encompassing CRM, DMS, LMS, and real-time accounting. The company's mission is to empower independent dealers and lenders with sophisticated technological tools that drive efficiency, ensure regulatory compliance, and maximize profitability. ABCoA occupies a unique market position as one of the only DMS providers to include a built-in, native general ledger that eliminates the need for external accounting software. With over 41 years of industry experience and more than 1 million hours of engineering invested into its platform, ABCoA remains a privately-owned leader committed to quality, innovation, and uncompromising customer service. The company serves a diverse client base nationwide, ranging from small 'Buy Here Pay Here' rooftops to large finance companies managing over $1 billion in receivables.

Deal Pack was founded in 1983 by Mark J. Herndon, who recognized a critical gap in the automotive market: the lack of specialized software that could handle both the sales operations and the complex financial accounting required for subprime lending. In the early 1980s, the concept of a 'Related Finance Company' was barely conceived, and most used car dealerships were still operating with ledger cards and manual entries. Herndon's vision was to create a technological edge for these independent businesses, starting with high-performance Unix-based systems on the IBM RS6000 platform. This early commitment to robust, enterprise-grade architecture established ABCoA as a trailblazer in the used car industry. Over the decades, the company remained focused exclusively on the non-prime niche, avoiding the temptation to expand into general retail. This specialization allowed the founding team to build deep expertise in Regulation Z, usury laws, and IRS audit standards. Today, the leadership has transitioned to a new generation, with Jonathan Hedy serving as President, who has spearheaded the company’s transition into cloud-native SaaS solutions while maintaining the core values of accuracy and reliability established by the founder.

ABCoA is a privately-owned and organically grown company that has remained independent for over 40 years. Unlike many of its competitors in the DMS space that have been acquired by large private equity firms or corporate conglomerates, ABCoA has maintained its autonomy, allowing it to prioritize customer needs over shareholder returns. The company has not sought traditional venture capital or public funding rounds; instead, it has reinvested its profits back into research and development, currently spending over $5 million annually on product innovation. This self-funded model has allowed ABCoA to maintain a consistent strategic vision and a 'personal' approach to business, where the leadership team remains directly accessible to the client base. While the company has not had a public valuation milestone like a Series C or IPO, its stability and longevity in the market—navigating through various economic recessions and industry shifts—serve as a testament to its financial strength and sustainable business model.

The ABCoA product portfolio is a 'Total Solution' ecosystem designed to handle every facet of a subprime automotive and finance enterprise. The flagship offering is **Deal Pack**, which is available as a robust desktop application (Pro) or a modern, cloud-native browser solution (Web). This platform integrates sales, leasing, finance, rental, and service modules into a single database. For dealerships focused on customer acquisition, ABCoA offers **cyclCRM**, the only CRM built specifically for the BHPH industry with bi-directional integration into the DMS. To facilitate the funding of deals, the company provides **Capsa**, an instant funding portal that connects sellers with lenders in real-time. Additionally, **DST (Dealership Sales Tools)** serves retail used car dealerships that need a mobile, browser-based DMS without built-in accounting. **DLJ (Digital Loan Jacket)** offers a secure document vaulting solution that allows for 100% paperless operations. These offerings are designed to be used independently or as a unified ecosystem, providing scalability for companies ranging from a single lot to massive finance organizations with thousands of users.

Historically focused on the United States market, ABCoA has significantly expanded its geographic footprint and technological reach over the last decade. While its headquarters remain in Jacksonville, FL, the company’s transition to the **Deal Pack Web** SaaS platform has enabled it to serve customers across all 50 U.S. states and internationally. The platform's adaptability to various state-specific usury laws and compliance requirements has made it a favorite for multi-state operations. ABCoA has also expanded its ecosystem through strategic partnerships and deep integrations with industry giants like RouteOne, Dealertrack, and major credit bureaus. This expansion is not just geographic but also functional; the company has moved from being a simple 'inventory and sales' tool to a comprehensive financial technology provider. Recent localization efforts have included adding Spanish-language capabilities to its AI Collections module, reflecting the company’s commitment to serving a broader demographic and helping its clients engage with a more diverse customer base.

In early 2025, ABCoA announced the launch of its groundbreaking **AI Collections** feature, a proprietary artificial intelligence integration that automates the most time-consuming aspects of loan servicing. This feature enables 24/7, personalized communication with customers in both English and Spanish, facilitating promises to pay (PTPs) and increasing cash flow without the need for additional collection staff. This follows a prolific 2024 where the company delivered over 250 new features and updates. Other recent enhancements include the **Digital Document Vault (DLJ)**, which provides SOC 2-compliant storage for electronic documents, and advanced mobile capabilities for the Deal Pack Web platform. The company also integrated with **Allegro Lending Suite**, providing more options for indirect lending and credit application processing. These updates reflect ABCoA's focus on automation, mobile accessibility, and reducing the administrative burden on dealership staff.

The company culture at ABCoA is characterized by a commitment to 'World-Class Service' and a long-term perspective on employee and client relationships. Being a family-owned and privately-held company, it emphasizes a 'personal, not just business' approach. The work environment is deeply rooted in the Jacksonville community, with the headquarters serving as a hub for both development and customer support. ABCoA values expertise and industry knowledge, often hiring staff with direct experience in car dealerships and finance companies to ensure that support teams truly understand the challenges their customers face. The leadership promotes a philosophy of transparency and accountability, which is reflected in the software’s rigorous accounting standards. There is a strong emphasis on continuous learning, with the 'Online University' and internal training programs ensuring that the team remains at the 'bleeding edge' of technology. This culture of stability and innovation has resulted in high employee retention and a reputation for being a dependable partner in an industry often plagued by high turnover.

ABCoA actively fosters a robust community of automotive and finance professionals through several initiatives. As a founding member of the **Association of Dealer Management Software (ADMS)**, ABCoA plays a pivotal role in setting industry standards for compliance, security, and data integrity. The company maintains an active 'Deal Pack Blog' and an online Knowledge Base that serves as a resource for best practices in BHPH accounting and collections. ABCoA also hosts webinars and in-office training events, creating a forum for users to share feedback and influence the product roadmap. Their presence at major industry conferences like NIADA and NABD has allowed them to build a strong network of lenders, CPAs, and dealers. This community-centric approach is further evidenced by their 'Online University,' which offers certification and training modules to help dealership employees advance their skills in subprime finance management. By providing these resources, ABCoA positions itself not just as a software vendor, but as a consultative partner for the entire non-prime industry.