Define the population
Identify the cutoff date, eligible accounts or loans, exclusions, balance basis, status bands, geography, and material segments.
Fitzgerald Advisors · Direct portfolio brokerage
Sell whole loans, mortgage notes, or a defined debt portfolio.
At a glance: Fitzgerald Advisors helps creditors, lenders, funds, and portfolio owners start a confidential sale process for whole loans, mortgage notes, and defined debt portfolios.
Transaction hub: Sell a Portfolio: debt portfolios for sale
A defined starting point
A direct path from asset definition to qualified counterparty review.
Fitzgerald is not a generic listing site. The first review establishes what the asset is, how the population is defined, what information is available, which exceptions are known, what must remain controlled, and whether the mandate fits a focused buyer process. A review does not guarantee a buyer, bid, price, recovery, or closing.
Asset scope
What the conversation may cover.
- Debt & charged-off portfolios
- Commercial & CRE loans
- Whole loans & notes
- Judgments
- Auto, BHPH & rent-to-own
- Specialty-finance portfolios
Establish the record
Summarize payment or delinquency history, collateral or guaranty context, ownership, documentation, servicing, and known limitations.
Control the disclosure
Keep sensitive materials inside an appropriate confidentiality and diligence process before a broader buyer conversation.
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.
Mixed commercial pool with a decision deadline
Illustrative pattern: an owner has a mixed commercial pool with uneven documentation and needs to decide which segments merit a sale review, a workout path, or further preparation. The useful first step is to separate the population, reconcile the tape, identify exceptions, and define what can be shared under control.
Seller preparing a clean counterparty brief
Illustrative pattern: a lender organizes the asset scope, cutoff date, servicing context, ownership record, material gaps, and timing into a short business-level brief before any detailed files move. That gives a broker and potential counterparties a clearer starting point without implying a buyer, price, or closing result.
The first conversation
How a seller conversation begins
- 01
Tell us what you have
Share the broad asset category, approximate scale, geography, performance or collateral profile, servicing context, objective, and timing.
- 02
Confirm the mandate
Fitzgerald assesses whether the asset profile and stated objective fit a focused broker-led review or need additional preparation first.
- 03
Prepare the decision file
If appropriate, organize the summary information, documentation inventory, known exceptions, servicing context, and transaction conditions.
- 04
Coordinate the process
A suitable process can then be structured around confidentiality, qualified counterparties, diligence, bid comparison, transaction terms, and transfer requirements.
Before you reach out
What to have ready for an initial seller review
A first conversation should be useful without exposing sensitive account-level information. High-level facts are enough to decide whether a mandate deserves a deeper review.
- Asset type, cutoff date, and approximate unpaid balance, face value, or account count
- Geography, performance status, collateral or guaranty context, and current servicing arrangement
- Available tape, payment, ownership, legal, or documentation records and known exceptions
- Seller objective, decision authority, confidentiality requirements, and expected timing
Confidential intake
Tell us what you want to sell
Start with the asset class, approximate scale, information available, objective, and timing. Keep borrower-level data, account numbers, and unredacted files out of the initial inquiry.
Direct answers
Frequently asked questions
How do you sell a debt portfolio?
Start by defining the portfolio, reconciling the available data and documentation, setting information controls, and determining whether a focused seller review is appropriate. A qualified buyer process should compare complete terms, timing, conditions, and transfer responsibilities—not only a headline price.
Who buys debt portfolios?
Potential buyers vary by asset type, geography, performance profile, documentation, servicing model, and transaction size. A controlled process should screen for mandate fit, operating capacity, diligence requirements, and authority before sensitive portfolio data is released.
What information is needed to evaluate a debt portfolio for sale?
The initial review usually starts with an aggregate portfolio description, a reconciled tape or field inventory, documentation and ownership context, servicing information, material exceptions, and the seller’s timing and confidentiality requirements.
Does Fitzgerald guarantee the highest price?
No. Fitzgerald does not guarantee a highest price, buyer, recovery, closing, or transaction outcome. The appropriate process depends on the facts of the specific asset and the terms available from qualified counterparties.
Asset-class paths: NPL and charged-off debt · Judgment portfolios · Auto and BHPH · CRE debt seller intake · Whole-loan seller intake
Discuss a portfolio mandate · Sell debt portfolios · Buy debt portfolios