Start an NPL portfolio conversation with the asset—not a headline price.

Fitzgerald Advisors helps lenders and portfolio owners evaluate defined non-performing loan and distressed-asset portfolios for a possible sale, segmentation, or other decision path. Start with the asset category, population, documentation condition, servicing or legal context, known exceptions, and decision timeline. We can determine whether a focused counterparty review is appropriate before any buyer process begins.

An NPL or distressed-asset mandate is rarely one uniform pool. Before considering a sale, workout, or segmentation process, the owner needs a workable view of the population, documentation, material exceptions, servicing and legal context, and the objective behind the decision. Fitzgerald starts with that operating picture rather than implying a price or recovery outcome.

Frame the decision: Clarify whether the owner is evaluating a sale, segmentation, a workout alternative, balance-sheet relief, or a general market-readiness review.

Describe the population: Define the product type, balance range, jurisdictions, status, available records, and material variations in the asset pool.