The group's principal activities are to sell and finance older model used vehicles to customers with limited credit histories. The subsidiaries of the group include America's car-Mart inc and colonial auto finance inc. At 30-Apr-2004, the group operated 70 stores located primarily in small cities throughout the south-central United States. The group provides financing for substantially all of its customers, many of whom may not qualify for conventional financing as a result of limited credit histories or past credit problems.