Strategic Liquidity for Performing & Non-Performing Loans
Turn your credit portfolios into immediate working capital. We provide a secured, private disposition protocol that maximizes yield while protecting your brand equity.
- 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 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 dashboards; we provide an engagement engine. BankWatch Pro transforms raw regulatory data from the FDIC into actionable intelligence, giving deal makers a decisive edge in the market.
Credit Box Search & Targeting
Define your ideal bank by asset size, delinquency, NPL ratios, loan concentrations, profitability, region, and capital risk; the system returns a precise list of institutions that fit your exact criteria.
Institutional Benchmarking
Data without context is noise. Instantly benchmark any bank against its direct competitors on dozens of KPIs, revealing strategic advantages and hidden weaknesses to leverage in your outreach.
AI-Powered Risk Analysis
Go beyond the numbers. Our AI examiner analyzes the entire balance sheet, delivering a clear, narrative-based assessment of a bank's financial health, explaining the risks and opportunities 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 or intuition. Our entire operation is powered by Debt Catalyst™, a proprietary intelligence platform that provides a decisive execution edge across every stage of the credit lifecycle.
Performing & Sub-Performing Notes
For performing assets, our system is a predictive tool. It analyzes payment streams and behavioral data to identify early indicators of default risk, allowing for proactive mitigation before an asset becomes distressed.
Non-Performing Loans (NPLs)
On non-performing assets, the engine switches to a forensic model. It re-underwrites the collateral and borrower data to build a precise liquidation forecast, revealing the true recovery value hidden within the portfolio.
Commercial & Consumer Charge-Offs
For charged-off debt, Debt Catalyst™ becomes a recovery weapon. It uses AI-driven segmentation to score and rank accounts, creating a strategic blueprint that maximizes liquidation efficiency and ROI for collectors and servicers.
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 Score
Distressed Asset Advisory
Fitzgerald Advisors functions as an extension of your credit risk department. We do not just "broker deals"; we engineer liquidity events. By aligning regulatory mandates with private distressed asset advisory, we structure dispositions that clear balance sheets without disturbing borrower relationships or brand equity.
The Execution Edge
$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 Firm
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 Quiet Conduit
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
How The Process Works
A streamlined, three-step process designed for clarity, security, and optimal results.
1. Submit Your Portfolio
Securely share your loan or debt portfolio details through our confidential submission portal.
2. Evaluate & Match Buyers
Our team performs a thorough evaluation and leverages our proprietary network to match your assets with qualified, verified Partnered with SOC-II Certified Buyers.
3. Execute & Close
We manage the entire closing process, from due diligence and contracts to the final, secure transfer of 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 VALUATIONStrategic Answers
What is the strategic role of a Loan Sale Advisor?
The role is to architect a confidential, competitive market for a specific asset. An advisor manufactures this environment to force multiple, vetted buyers to compete, which is the only professional method for achieving true price discovery.
What is the best way to sell delinquent debt?
The fortress is always superior to the public square. A confidential protocol run by a specialist advisor delivers discretion and maximum value, while public marketplaces lead to value erosion and data leaks.
How do you value a non-performing loan portfolio?
Valuation is a forensic analysis of the discounted future cash flow, factoring in data on collateral, borrower behavior, and legal chain-of-title. We do not offer "spot prices"; we build a data-driven liquidation forecast.
What are the primary risks when selling, and how are they avoided?
The primary risks are reputational and legal. We mitigate these through a compliance-first framework, ensuring every buyer is contractually obligated to adhere to the highest ethical and regulatory standards, protecting your brand equity.
The Record of Execution
The trusted authority for over 100+ institutions, lenders, and investors in the secondary debt market since 2012.
Submit Your Confidential Inquiry
Get expert assistance with 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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