The Off-Market Protocol for Fintech & BNPL Portfolios
Fintech & BNPL Portfolio Valuation Calculator
Estimate the market value of your charged-off Fintech or BNPL debt portfolio using current institutional pricing ranges.
Calculation Complete
To view your institutional valuation report immediately, please enter your email address. We will also send a copy to your inbox.
Actual execution value is contingent upon a forensic audit of specific risk variables. To determine true eligibility for sale: Sellers must be prepared to provide a comprehensive Data Tape and verify a Full Media Chain-of-Title.
The Off-Market Protocol For Fintech & BNPL Portfolios
For Fintech lenders, a portfolio of charged-off digital paper is a direct threat to unit economics. Our Off-Market Protocol is engineered to transform this high-risk liability into immediate working capital with absolute discretion.
Market Intelligence: The Fintech Fracture
The era of easy venture capital is over. The new mandate for Fintech and Buy Now Pay Later (BNPL) companies is not growth at all costs; it is survival and a clear path to profitability. This has created a "Great Unwinding" where lenders are now forced to address the rising delinquencies and charge-offs on their books. Holding this non-performing paper is a capital drain that modern lenders can no longer afford.
BNPL & Fintech Risk Matrix
- The "Phantom Debt" Risk: BNPL debt is often not reported to credit bureaus, meaning a borrower's true obligations are obscured, making traditional underwriting models unreliable.
- Regulatory Pressure: The Consumer Financial Protection Bureau (CFPB) is increasing scrutiny, requiring BNPL providers to offer protections similar to traditional credit cards, increasing compliance costs.
- Capital Constraints: The retreat of VC funding means that converting non-performing assets into cash is now a critical priority for maintaining operations and funding new originations.
The Divestiture Protocol: A Framework for Digital Assets
This is the definitive answer to "how to sell a BNPL portfolio." It is a disciplined, multi-stage protocol designed to maximize value for this unique asset class.
-
Phase 1: Data Hardening & Valuation
Unlike traditional loans, the value of a BNPL portfolio is in its data. We use our Debt Catalyst™ engine to analyze the digital footprint, merchant vertical, and user behavior to build a true liquidation forecast. This provides you with a defensible, market-based price before the sale process begins.
-
Phase 2: Buyer Curation & Off-Market Execution
We do not list your portfolio on public marketplaces. We maintain a proprietary network of vetted buyers who specialize in digital assets and understand their unique recovery models. Our "silent auction" creates competitive tension among these sophisticated players, ensuring you receive the highest possible price.
-
Phase 3: Compliant Transfer & Brand Protection
We manage the entire closing process, ensuring a clean, audit-ready transfer of data and legal title. Our protocol contractually obligates the buyer to adhere to all relevant regulations (Reg F, FDCPA), acting as a firewall that protects your brand from any downstream collection activities.
Ecosystem Alignment: Serving the Industry
We execute liquidity mandates that are aligned with the regulatory frameworks and business needs of the industry's leading associations, including members of the Financial Technology Association (FTA), American Financial Services Association (AFSA), and Independent Community Bankers of America (ICBA).
Initiate a Digital Valuation
Do not let non-performing BNPL assets stagnate. Open a confidential mandate to receive a complimentary Debt Catalyst™ assessment of your portfolio today.
Request Portfolio Review