Buy Debt Portfolios Through a Qualified Institutional Process
Fitzgerald Advisors helps qualified institutional buyers evaluate debt and NPL portfolio opportunities. The process may include buyer qualification, portfolio criteria, secure information review, loan-tape analysis, diligence coordination, bid comparison, and transaction support, depending on the mandate.
What can qualified buyers evaluate?
Potential opportunities may include performing, sub-performing, non-performing, charged-off, commercial, mortgage-note, MCA, medical, installment, judgment, BHPH, and auto-note portfolios. Availability and eligibility vary by transaction.
How to buy debt portfolios
- Define your asset-class, geography, balance, delinquency, and servicing criteria.
- Complete buyer qualification and provide relevant institutional information.
- Review the loan tape, data dictionary, legal documentation, servicing history, and concentration data.
- Model pricing, expected recoveries, servicing costs, and transaction risks.
- Submit questions or a bid through the agreed confidential process.
- Complete diligence, documentation, transfer, and post-close servicing arrangements.
What is included in buyer diligence?
Buyer diligence may include data validation, account-level sampling, documentation review, legal and compliance considerations, servicing performance, geographic concentration, settlement or dispute history, and recoverability assumptions. Buyers should perform their own legal, tax, financial, and operational review.
Buy debt portfolios online
“Online” access may refer to digital intake, secure data-room review, electronic diligence, and remote transaction coordination. It does not necessarily mean a public retail marketplace or instant purchase process.
Related resources
Read the first-time debt-buyer guide, review debt-buyer licensing considerations, and learn about the loan tape required for portfolio review.
Buyer qualification
Contact Fitzgerald Advisors to discuss your acquisition criteria and qualification process.
Strategic Briefing Request
Are you looking to sell, buy, or finance debt portfolios?
Fitzgerald Advisors helps banks, lenders, credit funds, and qualified buyers evaluate debt-sale opportunities and connect around institutional loan-portfolio transactions. Request a confidential conversation about your portfolio, acquisition criteria, or lending mandate.