Defaulted Commercial Equipment Charge offs ? Get Immediate Bids From Qualified Buyers
Commercial Equipment Deficiencies The Residual Liquidity Protocol
After the asset is repossessed and sold, the deficiency balance remains. We provide the definitive exit strategy for Equipment Finance Companies holding unrecoverable commercial lease balances.
The "Zombie Asset" Problem
For equipment lessors, the lifecycle often ends at the auction block. Once the collateral (the "Iron") is liquidated, the remaining balance becomes a "Zombie Asset."
It sits on the ledger as a commercial equipment charge-off, consuming internal legal resources with diminishing returns. Standard collection agencies lack the sophistication to pursue corporate guarantors effectively.
The Private Treaty Solution
Fitzgerald Advisors executes the strategic divestiture of these post-disposition balances. We bundle and sell these rights to specialized commercial recovery funds.
By selling the deficiency, you convert a static write-off into immediate cash flow, cleaning the balance sheet for the next fiscal quarter.
Note: Fitzgerald Advisors serves members of the ELFA (Equipment Leasing and Finance Association) and NEFA (National Equipment Finance Association) as an independent liquidity advisor. We are not a direct member of these trade groups.
Valuation Protocol: Asset Class Segmentation
Not all deficiencies are created equal. Our Debt Catalyst™ engine prices portfolios based on the underlying asset class and the corporate structure of the lessee.
Profile: Heavy earthmoving equipment, cranes, and excavators.
Valuation: High. Guarantors in this sector typically have other tangible assets, making the deficiency highly collectible for specialized buyers.
Profile: Class 8 Trucks, Trailers, and Logistics Fleets.
Valuation: Volatile. Given the current freight recession, we target specific buyers who specialize in logistics bankruptcies and fleet liquidation recovery.
Profile: CNC machines, production lines, and medical devices.
Valuation: Moderate to High. These leases often carry strong personal guaranties (PGs) from established business owners.
Profile: Copiers, servers, and office furniture.
Valuation: Volume-Based. These are typically unsecured by tangible value post-depreciation and are sold in bulk lots.
The Debt Catalyst™:
Complimentary Portfolio Audit
Do not write off your equipment deficiencies blindly.
We offer a Free Portfolio Analysis. We stratify your charge-offs by vintage, asset class, and guarantor strength to give you a defensible "Pre-Market" strike price.
Liquidate Your Equipment Deficiencies
Stop chasing bad leases. Open a mandate to receive a confidential valuation and strategic exit assessment from a Fitzgerald Advisors Principal.
Direct Mandate Access:
Jeffery Hartman Director of Portfolio Liquidity & Asset Disposition