Define the acquisition target
State the asset classes, collateral or obligor profile, geography, target size, performance range, exclusions, and preferred transaction structure.
Fitzgerald Advisors · Direct portfolio brokerage
Buy whole loans, mortgage notes, or other defined portfolios.
At a glance: Qualified buyers can submit a whole-loan, mortgage-note, or defined debt-portfolio acquisition mandate to Fitzgerald Advisors for a focused fit review.
Transaction hub: Buy Portfolios: buy debt portfolios
A defined starting point
A clear mandate makes relevant opportunities easier to identify.
Fitzgerald starts with the buyer—not a generic inventory claim. A usable buy box defines the assets, geography, target size, performance or collateral criteria, capital and approval process, servicing approach, diligence requirements, and timing that frame whether a future conversation is worth having.
Asset scope
What the conversation may cover.
- Debt & charged-off receivables
- Commercial & CRE loans
- Whole loans & notes
- Judgments
- Auto, BHPH & rent-to-own
- Specialty-finance portfolios
Confirm operating fit
Identify decision authority, capital source, servicing capacity, diligence requirements, and legal or compliance constraints relevant to a potential acquisition.
Establish the decision process
Clarify who can approve a transaction, how quickly materials can be reviewed, and what conditions must be satisfied before closing.
Illustrative transaction patterns
What a prepared mandate can look like.
These are anonymized, non-transactional examples of information and decision patterns a broker-led review may involve. They are not representations of completed deals, current inventory, pricing, recovery, or closing results.
Buyer with a narrow acquisition box
Illustrative pattern: a qualified buyer is looking for a defined asset type, geography, size range, performance profile, and servicing model. The useful first step is to document the buy box, capital and approval path, diligence capacity, and exclusions before discussing sensitive opportunities.
Buyer comparing fit before full diligence
Illustrative pattern: a buyer receives a high-level opportunity summary and tests it against mandate, documentation, servicing, legal, and transfer requirements before requesting account-level review. This is a fit-screening pattern, not a representation that inventory or a transaction is available.
The first conversation
How a buyer mandate starts
- 01
Share the buy box
Provide the asset types, geography, size range, performance or collateral criteria, servicing preference, and timing that shape the mandate.
- 02
Establish readiness
Clarify capital parameters, decision authority, operating capability, diligence requirements, and transfer or servicing conditions.
- 03
Assess relevance
A prospective opportunity is considered against the mandate before an introduction or more detailed discussion is pursued.
- 04
Review the full picture
Subsequent diligence should cover the asset, records, terms, servicing, legal context, transfer requirements, and operating implications together.
Before you reach out
What makes a buyer mandate useful
The first objective is to understand fit—not to promise deal access, inventory, an offer, or investment advice. A clear mandate makes each future conversation more efficient.
- Target asset classes, collateral or obligor profile, and geography
- Target size, capital source, approval authority, approval process, and timing
- Servicing model, operating capacity, transfer requirements, and data needs
- Diligence priorities, exclusions, and constraints that affect a potential acquisition
Confidential intake
Submit your buyer mandate
Outline what you want to buy, the size and geography that fit, the operating criteria behind your mandate, and your timing. Do not send sensitive buyer, seller, or account records through the initial form.
Direct answers
Frequently asked questions
How do you buy debt portfolios?
Qualified buyers begin with a clear buy box: target assets, geography, size, capital source, servicing capacity, diligence requirements, and decision timeline. That mandate is then used to decide whether a specific opportunity is relevant before detailed diligence begins.
Where can qualified buyers access debt portfolios online?
A professional online process should provide permissioned access to relevant opportunities and controlled diligence materials—not an instant retail checkout. Buyers should expect to establish mandate fit, confidentiality, data-room access rules, and diligence requirements first.
Is debt buying legal?
Debt buying and subsequent servicing or collection can involve different laws, licensing, registration, privacy, and operating requirements depending on the asset, jurisdiction, buyer role, and servicing model. Buyers should obtain appropriate legal and compliance advice for the specific transaction.
What information should a buyer submit first?
Start with the buy box: target assets, geography, size, performance or collateral profile, capital source, servicing model, diligence requirements, approval process, and timing. Do not send confidential seller materials, consumer records, or account-level data through the initial form.
Does Fitzgerald guarantee portfolio availability?
No. Fitzgerald does not represent that a portfolio, loan, note, judgment, or other opportunity is currently available or will become available. Availability varies by mandate, asset, seller authority, confidentiality, buyer criteria, and transaction timing.
Asset-class paths: NPL and distressed assets · Auto and BHPH buyers · CRE buyer application · Whole-loan buyer application
Discuss a portfolio mandate · Sell debt portfolios · Buy debt portfolios