Alongside our servicing activities, we act as a direct buyer and intermediary for non‑performing loan portfolios. This capability gives credit holders an alternative, immediate route to dispose of and monetise non‑performing assets that generate administrative costs, capital pressure, and the risk of future write‑downs. Typical reasons for choosing a portfolio sale include:
For banks and financial institutions, non‑performing loans weigh on solvency ratios; a portfolio sale can immediately strengthen capital metrics.
Exiting the internal management of toxic credits frees up resources and management attention.
When recovery amounts and timing are highly uncertain, a sale transfers that risk to a specialised buyer.
Portfolios with significant documentation gaps create costly management burdens; a structured sale can be a more efficient option.
In time‑critical situations (corporate restructuring, insolvency), a NPL portfolio sale can provide rapid liquidity.
The credit holder sends a brief overview including: number of positions, total exposure, credit types, geographic breakdown, vintage, and presence of guarantees.
Based on this high‑level description, we perform a preliminary assessment using probabilistic recovery models. This allows us to provide a non‑binding indicative view and a price range.
If the initial assessment indicates attractive value, we request access to a full data room. Our team conducts detailed analysis, reviews documentation quality, estimates recovery probabilities, and calculates expected returns.
Once due diligence is complete, we share our final valuation and submit a binding written offer setting out: unit price, closing conditions, originator representations and warranties, and the expected closing timeline.
A common challenge is portfolios containing real, recoverable credits but with significant documentation issues: missing contracts, incomplete notifications, outdated debtor data, or incomplete files.
For these situations, we offer simple and advantageous bespoke solutions.