Strategic Liquidity for Performing & Non-Performing Loans
We architect the portfolio disposition strategy for institutional lenders. From charge-off forecasting models to off-market forward flow buyer matching, we provide the certainty required by the C-Suite.
- 100mm Mix Credit Cards ✓ Catalyst Verified
- 10mm Installment Loans ✓ Catalyst Verified
- NJ Subprime Auto Portfolios ✓ Catalyst Verified
- California Commercial File ✓ Catalyst Verified
- 100mm Mix Credit Cards ✓ Catalyst Verified
- 10mm Installment Loans ✓ Catalyst Verified
- NJ Subprime Auto Portfolios ✓ Catalyst Verified
- California Commercial File ✓ Catalyst Verified
- COMING SOON: Mortgage Note TX
- COMING SOON: Direct Commercial File - Midwest
- COMING SOON: BNPL (Buy Now, Pay Later) Accounts
- COMING SOON: Mortgage Note TX
- COMING SOON: Direct Commercial File - Midwest
- COMING SOON: BNPL (Buy Now, Pay Later) Accounts
The Off Market Ledger
By the Numbers
Market Intelligence: The Exit Imperative
A multi-year period of artificially low defaults has ended. A new credit cycle, defined by persistent inflation and higher capital costs, is now underway. For lenders, this is not a time for observation; it is a time for strategic action.
Defaults are normalizing across all sectors. The critical difference in this cycle is the cost of carrying non-performing assets on the books. For banks and traditional lenders, this ties up valuable capital that could be deployed into higher-yielding assets. For capital-sensitive operators in Fintech, BNPL, Installment, and BHPH, carrying defaulted paper is a direct threat to survival.
The mandate is clear: In a market where holding distressed assets is more expensive than ever, a disciplined and timely exit is not a sign of failure—it is a sign of sophisticated financial management.
Key Market Pressure Points (Q4 2025)
Asset-Specific Pressure Points
Asset Class Risk Matrix
Distressed Commercial Bridge Loans
The "maturity wall" is here. Trillions in short-term debt, underwritten when rates were near zero, is coming due. With refinancing impossible for many stalled projects, regional banks are facing intense pressure from regulators like the FDIC to offload these high-risk assets to avoid having them classified as REO (Real Estate Owned).
Subprime Auto Defaults
Persistent inflation is disproportionately affecting subprime borrowers, leading to a surge in auto loan defaults and repossession rates. Credit unions, monitored by the NCUA, and BHPH operators are seeing their portfolio performance degrade, creating a critical need for liquidity to manage losses and maintain capital adequacy.
Low-Coupon Mortgage Notes
The high-interest-rate environment has created a significant "discount" effect on mortgage notes originated from 2020-2022. To achieve a competitive yield in today's market, these low-rate notes must be sold below their principal balance, creating a robust secondary market for both performing and non-performing paper.
The BankWatch Pro™ Intelligence Engine
We don't provide simple dashboards; we provide a bank credit box analytics engine. BankWatch Pro transforms raw FDIC regulatory data into actionable whole loan buyer matching intelligence, giving deal makers a decisive edge.
Credit Box Search Tool
Identify the ideal community bank credit buyer instantly. Filter by asset size, NPL ratios, and loan concentration to execute a precise bank diversification strategy that aligns with your portfolio.
Institutional Benchmarking
Data without context is noise. Instantly benchmark any bank against its peers on dozens of KPIs. We uncover auto loan buyer finders and potential credit union partners hidden in the regulatory filings.
LLM Risk Scoring Transparency
Go beyond the numbers. Our AI model governance protocols analyze the balance sheet to deliver a narrative assessment. This provides LLM risk scoring transparency that explains financial health like a seasoned analyst.
From Data to Deals—Instantly.
Ready to see the engine in action? Get a live walkthrough of the platform and discover how BankWatch Pro can build your deal pipeline, starting today.
Request a Live DemoThe Debt Catalyst™ Intelligence Engine
We do not rely on outdated market data. Our operation is powered by a proprietary charge-off prediction AI that provides a decisive execution edge across every stage of the credit lifecycle.
Tell Us About You
To access the Debt Catalyst demo, please share your email and role.
Performing & Sub-Performing
For performing assets, our system acts as a predictive tool. We utilize DCF-based portfolio pricing (Discounted Cash Flow) to analyze payment streams and identify early indicators of default risk before the asset becomes distressed.
Non-Performing Loans (NPLs)
On non-performing assets, the engine switches to a forensic model. We deploy advanced recovery probability models to re-underwrite collateral and borrower data, revealing the true liquidation value hidden within the portfolio.
Commercial & Consumer Charge-Offs
For charged-off debt, Debt Catalyst™ generates a granular account-level liquidation forecast. This AI-driven segmentation ranks accounts by collectability, creating a strategic blueprint for maximum ROI.
See Your Portfolio Through Our Eyes.
Curious what our intelligence engine will find in your data? Submit your portfolio for a complimentary analysis and receive a proprietary AI-generated score. On us.
Claim Your Free AI Portfolio ScoreThe Off-Market Execution Mandate
Fitzgerald Advisors functions as an extension of your credit risk department. We do not just "broker deals"; we engineer confidential, off-market liquidity events that clear balance sheets while protecting brand equity.
$200MM+ Liquidated
Successfully cleared debt and mortgage note inventory across all major asset classes.
Direct Principal Access
We bypass the broker chains. Our proprietary network connects you directly to vetted institutional capital.
T+30 Closing Protocol
A streamlined, audit-ready closing process designed to move from PSA to funding in minimum time.
The Asset Conversion Playbook
Strategic Note Disposition
A comprehensive divestiture process for commercial and residential mortgage notes, designed to maximize net present value.
- Mark-to-market asset valuation.
- Private placement with REITs and institutional funds.
- Definitive legal chain-of-title review.
- Audit-ready closing documentation.
Converting Delinquency to Capital
Turn non-performing commercial accounts into immediate working capital via a compliant, off-market sale.
- Remove toxic assets from the balance sheet.
- Eliminate legal spend and collection overhead.
- Improve capital adequacy ratios immediately.
- Protect brand equity during transfer.
The Off-Market Advantage
In a market of generalists, we provide the decisive advantage of specialized, off-market execution. We are the signal in a market full of noise.
The Off-Market Protocol
- 17+ years of dedicated market experience.
- Proprietary off-market intelligence network.
- Data-driven valuation and disposition strategy.
- Focus on maximizing value and mitigating risk.
The Industry Standard
- Generalist approach with limited specialization.
- Reliance on public, often lagging, market data.
- Volume-focused, transactional mindset.
- Learning on the go, often at the client's expense.
The Fitzgerald Papers
An intelligence hub for the serious investor. We provide the strategic insights and definitive guides that define the market.
In-Depth Case Studies
Anonymized, real-world examples of our strategic approach to complex, high-value portfolio dispositions.
Explore Our Work →Definitive Guides
Downloadable institutional guides on asset valuation, due diligence, and market protocols. This is our playbook.
Access the Library →State of the Market
Our expert quarterly analysis and forward-looking briefings on the trends and opportunities in the secondary debt market.
Read Our Briefings →Proof of Protocol
“Fitzgerald Advisors provided the strategic clarity and execution we needed to successfully divest a complex NPL portfolio. Their expertise is unmatched in the industry.”— VP of Special Assets, Regional Bank
“I really enjoyed working with the team at Fitzgerald—professional, responsive, and they keep it honest.”— SVP at a Midwest Bank
The Architects of the Off-Market
Fitzgerald Advisors is managed by industry veterans with deep architectural knowledge of the secondary market. We operate at the intersection of Whole Loan Trading, Distressed Debt, and Fintech, providing a level of sophistication usually reserved for major investment banks.
Institutional Pedigree
Management with a verified track record in valuing, trading, and servicing complex debt instruments.
Yield-Driven Architecture
We do not offer "solutions"; we offer strategies designed to maximize Return on Assets (ROA) and Internal Rate of Return (IRR).
The Off-Market Protocol
We have facilitated confidential loan sales for regional banks and private funds, ensuring total discretion.
Direct Principal Access
Andrew A. Bybee
Loan Sale Advisor
"Market clarity is the first step to liquidity. Contact me to discuss your portfolio's valuation and our current buyer mandates."
Jeffery A. Hartman
Director of Portfolio Liquidity
"Don't let a shifting yield curve devalue your assets. Let's determine if your portfolio fits our current acquisition criteria."
Areas of Mandate
We do not participate in all markets; we dominate a select few. Our focus is on complex, high-value asset classes where our strategic protocol and off-market intelligence provide a decisive advantage for our institutional clients. This is our domain.
Real Estate Secured Debt
Our foundational expertise. We facilitate the private sale of real estate-backed notes where rigorous valuation and chain-of-title protocols are mission-critical, preserving capital and mitigating reputational risk.
- Mortgage Notes (1st & 2nd Lien)
- Commercial Real Estate Notes (CRE)
- Whole Loans
- Construction & Development Loans
- Hard Money & Bridge Financing
- SBA Loans (7a & 504)
Consumer & Fintech Receivables
We provide a definitive divestiture strategy for unsecured digital paper and consumer credit, emphasizing data enrichment and compliance hardening to maximize the value of high-volume portfolios.
- Credit Card & Charge-Off Portfolios
- Auto Loan Portfolios (Subprime)
- Fintech & BNPL Portfolios
- Retail Installment Contracts
- RTO & Lease Deficiencies
- Medical Bad Debt Divestiture
Commercial & Distressed Credit
We create liquidity where legal and financial distress converge, executing on complex commercial assets that require a deep understanding of business credit, bankruptcy law, and post-litigation recovery.
- Merchant Cash Advance (MCA) & Business Debt
- Equipment Leasing & Financing Portfolios
- Post-Litigation Judgments
- Bankruptcy Claims
- C&I and Factoring Receivables
- Strategic Asset Divestiture
The Off-Market Execution Protocol
A streamlined, three-phase mandate designed for clarity, institutional-grade security, and maximum value extraction.
1. Mandate Definition & Portfolio Intake
Securely share your portfolio details through our confidential portal. We define the precise mandate and objectives for the sale.
2. Valuation, Diligence & Buyer Matching
Our team performs a forensic valuation and leverages our proprietary network to match your assets with qualified, verified institutional capital.
3. Private Execution & Closing
We manage the confidential bidding, contracting, and closing process to ensure a secure, audit-ready transfer of assets and funds.
Strategic Briefing Request
Does your portfolio align with current market demand?
Our team creates bespoke marketing packages that highlight the intrinsic value of your assets. Request a confidential review to see where your paper trades in today's market.
REQUEST VALUATIONThe Record of Execution
The trusted authority for over 100+ institutions, lenders, and investors in the secondary debt market since 2012.
The Off-Market Intelligence Hub
What is an Off-Market Loan Sale Advisor?
An Off-Market Loan Sale Advisor is a specialist who architects a confidential, private sale of a credit portfolio. Unlike a generic broker who lists an asset on a public marketplace, an advisor manages a disciplined protocol, engaging only vetted institutional capital to maximize value and mitigate risk.
What does the process of selling debt look like for a seller?
The professional process of selling debt is a structured mandate: 1. NDA & Data Intake: Secure transfer of portfolio data. 2. Valuation: A forensic analysis to establish a defensible price. 3. Buyer Curation: Matching the asset to a list of the right capital. 4. Private Execution: Managing a confidential bidding process and an audit-ready closing.
How are different types of 'debt for sale' priced?
Pricing varies by asset class. Non-Performing Mortgages are valued based on the collateral's equity. Fintech/BNPL is valued on the richness of its data. Judgments are valued on the debtor's assets. A true valuation requires a specialist who understands these nuances for all types of debt for sale.
Why is an "Off-Market" sale superior to a public marketplace?
Public marketplaces deliver value erosion and brand risk. Our confidential Off-Market Protocol creates competitive tension among vetted principals, ensuring true price discovery and absolute discretion for all large-scale debt sales.
How do you value a non-performing loan portfolio?
Valuation is a forensic analysis of the discounted future cash flow. We use our Debt Catalyst™ engine to analyze collateral, borrower data, and legal chain-of-title to build a data-driven liquidation forecast, not a generic "spot price."
Submit Your Confidential Inquiry
Get expert assistance with off market charge-off debt sales, non-performing note purchases, and real estate NPL acquisitions. Our team specializes in connecting sellers with the right partner with SOC-II Certified to ensure competitive and efficient transactions.
Mailing Address
3469 W Boynton Beach Blvd
Suite 2 PMB 1123
Boynton Beach, FL 33436
Direct Inquiry
jeff@fitzgeraldadvisors.comFitzgerald Advisors is a strategic consultancy and specialist brokerage firm. We are not a registered investment bank, law firm, or tax advisor. All transactions are executed via private treaty. Past performance of portfolio liquidations does not guarantee future yield.
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