Key Takeaways
- Define the asset, objective, scope, and decision timeline before outreach.
- Keep data, documentation, ownership, servicing, and material exceptions connected.
- Compare complete economics and execution terms rather than a headline number alone.
- Document responsibilities, transfer controls, and the next review step.
Define the installment portfolio
Installment lenders may hold performing loans, delinquent accounts, payment plans, and charged-off balances. Each group has different cash-flow assumptions and operating requirements. State the product, borrower purpose, secured status, origination channel, jurisdictions, and sale cutoff before requesting indications.
Fitzgerald Advisors supports preparation, confidential outreach, diligence coordination, and bid comparison within the agreed engagement.
Build a buyer-ready package
Prepare an account-level tape, field dictionary, payment history, origination agreements, ownership records, and an exception log. Reconcile principal, interest, fees, reversals, settlements, and post-cutoff payments. Identify disputes, bankruptcy, missing media, legal placements, and other status-sensitive accounts.
For digital originations, retain the applicable agreement version and evidence of acceptance. For purchased portfolios, map prior transfers and any resale limitations. See the loan tape data dictionary for consistent field definitions.
Evaluate value before choosing a channel
Analytics can help segment the pool, test assumptions, and identify missing information. Debt Catalyst™ analysis, when included in an engagement, supports that review as licensed technology. Its output is an analytical indication, not an appraisal, guaranteed strike price, or executable offer.
| Decision | Off-market review question |
|---|---|
| Buyer coverage | Which buyers have a mandate and operating capacity for these accounts? |
| Information access | What may be released at each diligence stage? |
| Economics | How do fees, exclusions, holdbacks, and timing change net proceeds? |
| Closing | Which approvals, documents, and transition steps remain? |
Scroll horizontally to read the full table.
Choose the process that fits the seller
A targeted private process can support discretion and detailed negotiation. A broader auction or platform process may provide wider exposure. Actual confidentiality, qualification, competition, and fees depend on the provider and transaction design. Neither format ensures a higher price.
Lenders can compare a one-time sale with forward-flow operations when recurring account deliveries are feasible. A forward flow requires stable eligibility rules and monitoring of changes in the pool.
Begin with an aggregated summary
Share product type, approximate balance and account count, states, payment status, vintage, current servicing, and available documentation. Confirm engagement scope and fees before substantive work begins.
Portfolio proceeds scenario
Enter an eligible balance, your assumed purchase percentage, and your estimated seller costs. All amounts are in USD. No market pricing assumption is supplied.
Gross purchase price = eligible balance × assumed purchase percentage. Net proceeds = gross price − entered costs. This calculation excludes any adjustments or obligations you have not entered and does not estimate collectability or a buyer’s offer.
This page provides general information for institutional and commercial readers. It is not legal, tax, accounting, investment, or transaction-specific advice. Requirements and outcomes depend on the assets, parties, jurisdictions, and agreements. Obtain appropriate professional advice for a proposed transaction.