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.
Start with the obligation, not the accounting label
Lease-purchase, rental-purchase, retail installment, and other consumer arrangements can create different rights. Before discussing a portfolio sale, identify the actual agreement and how a customer’s return, cancellation, non-return, or completed purchase affects the account.
Fitzgerald Advisors helps operators organize the commercial review of potentially eligible receivables. Legal review should determine which amounts may be claimed, transferred, or collected. A ledger entry does not settle those questions.
Reconstruct each eligible balance
| Item | Review focus |
|---|---|
| Agreement | Signed terms, version, disclosures, amendments, and relevant jurisdiction |
| Merchandise status | Returned, recovered, retained, purchased, lost, or disputed |
| Payment history | Rental periods paid, credits, reversals, refunds, settlements, and cutoff |
| Balance components | Earned amounts, fees, damage claims, future rentals, and their contractual basis |
| Consumer issues | Complaints, disputes, payment arrangements, bankruptcy, and restrictions |
Scroll horizontally to read the full table.
Keep physical inventory disposition separate from receivable pricing. Selling a receivable does not itself remove storage, maintenance, or insurance obligations attached to inventory the operator still owns.
What affects buyer interest?
Buyers may consider account age, payment recency, product, geography, prior placements, file availability, and the permitted servicing strategy. Appliances, furniture, electronics, and specialty goods should be evaluated from actual performance evidence. Product category alone does not support a fixed price or a claim that one segment always commands a premium.
Prepare a controlled review
Create an eligibility schedule and a reconciled tape. Explain exclusions and uncertain amounts before sharing account-level material. Qualified buyers should be assessed for asset experience, operational capacity, relevant licensing, and their ability to follow contractual collection restrictions.
Compare closing cash, fees, contingent payments, transfer work, and possible repurchase obligations. The sale-versus-collection framework can help organize this decision.
Support for RTO operators
The review can serve an ongoing receivables program, store consolidation, or a broader wind-down. Engagement scope should distinguish receivables advice from inventory or business-sale services.
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.