Whole-Loan Sale Process: Data Tape, Diligence, and Transfer

Whole-Loan Sale Advisory | Seller Process

A practical institutional process for defining the loan pool, preparing the tape, comparing buyer terms, and planning transfer.

A whole-loan sale transfers an agreed loan or receivable position rather than only a selected stream of future payments. The perimeter may include performing, delinquent, non-performing, commercial, mortgage, auto, or specialty-finance loans, but the asset class and transfer rights must be explicit.

Start with the reporting basis, as-of date, included and excluded accounts, balance definition, geography, product, performance status, collateral or guaranty context, and accounts requiring special handling. The internal balance sheet, servicing system, and proposed sale schedule should reconcile to the same population.