Fitzgerald Advisors · Direct portfolio brokerage

Sell whole loans, mortgage notes, or a defined debt portfolio.

Fitzgerald Advisors helps creditors, lenders, funds, and portfolio owners review a possible sale. The assets may be whole loans, mortgage notes, or other debt portfolios. The first question is whether the file is ready for a focused buyer conversation. Start with asset type, approximate balance or account count, and geography. Add the performance profile, documentation condition, servicing context, and decision timeline. Share high-level facts first. Do not send borrower-level information or unredacted files in the initial inquiry.

At a glance: Start a confidential sale for a defined debt portfolio, whole loans or mortgage notes. Fitzgerald Advisors works with creditors, lenders and funds.

Transaction hub: Sell a Portfolio: debt portfolios for sale

Abstract portfolio sale readiness materials with confidential document folders and measured diligence signals.
Seller mandate

A defined starting point

A direct path from asset definition to qualified counterparty review.

Fitzgerald is not a generic listing site. The first review names the asset and defines the population. It lists the information on hand and the known exceptions. It also states what must stay controlled. Then it asks whether the mandate fits a focused buyer process. A review does not guarantee a buyer, bid, price, recovery, or closing.

Most sales run in this order: NDA, data tape and data dictionary, bids from qualified debt buyers, purchase agreement, funding and transfer. Sellers choose a spot sale or a forward flow. Buyers price face value, media, chain of title and any warranty the creditor gives.

Asset scope

What the conversation may cover.

  • Non-performing loan portfolios
  • Commercial & CRE loans
  • Whole loans & notes
  • Judgments
  • Auto, BHPH & rent-to-own
  • Specialty-finance portfolios
01

Define the population

Identify the cutoff date and the eligible accounts or loans. Note exclusions, the balance basis, status bands, geography, and material segments.

02

Establish the record

Summarize payment or delinquency history. Include collateral or guaranty context, ownership, documentation, servicing, and known limitations.

03

Control the disclosure

Keep sensitive materials inside a confidentiality and diligence process. Do that before a broader buyer conversation.

04

Know what to send first

The first inquiry needs only high-level business facts. Share asset type, approximate scale, geography, objective, information available, and timing. Do not send borrower-level data, account numbers, Social Security numbers, or unredacted files.

05

Use BankWatch data as context

BankWatch and FDIC call-report fields can frame a portfolio question. Those fields include asset quality, capital, reserves, loan mix, and charge-offs. They do not prove distress, sale readiness, price, or buyer appetite. Connect any public signal to the specific pool, records, servicing, legal context, and seller objective.

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. The owner needs to decide which segments merit a sale review, a workout path, or further preparation. The useful first step is to separate the population and reconcile the tape. Then identify exceptions and define what can be shared under control.

Seller preparing a clean counterparty brief

Illustrative pattern: a lender organizes a short business-level brief before any detailed files move. The brief covers asset scope, cutoff date, servicing context, ownership, material gaps, and timing. That gives a broker and potential counterparties a clearer starting point. It does not imply a buyer, price, or closing result.

Bank signal prompting a portfolio review

Illustrative pattern: public call-report data shows a movement in reported asset quality, capital, reserves, charge-offs, or loan mix. The broker does not label the institution distressed. The broker does not assume inventory exists. The signal frames a question about product, geography, population, documentation, servicing, and the decision objective.

Source methodology and official context

BankWatch and FDIC call-report fields are used only as public context for a seller conversation. They can help frame questions about asset quality, capital, reserves, loan mix, and charge-offs, but they do not establish distress, sale readiness, pricing, buyer appetite, or transaction intent.

The seller-level review still depends on the defined population, cutoff date, performance, collateral or obligor evidence, ownership, documentation, servicing, legal status, exceptions, confidentiality, and transfer conditions.

Official definitions and process references

The first conversation

How a seller conversation begins

  1. 01

    Tell us what you have

    Share the broad asset category and approximate scale. Add geography, performance or collateral profile, servicing context, objective, and timing.

  2. 02

    Confirm the mandate

    Fitzgerald assesses whether the asset profile and stated objective fit a focused broker-led review. If not, the file may need more preparation first.

  3. 03

    Prepare the decision file

    If appropriate, organize the summary information and documentation inventory. Include known exceptions, servicing context, and transaction conditions.

  4. 04

    Coordinate the process

    A suitable process can then cover confidentiality and qualified counterparties. It can also cover diligence, bid comparison, transaction terms, and transfer requirements.

Before you reach out

Sell, hold, segment, or work out?

A sale is one possible disposition path. The first seller review should compare the portfolio objective, data condition, and servicing capacity. It should also compare timing and retained obligations before the next step.

  • Define whether the objective is liquidity, risk reduction, operational relief, repositioning, or another outcome.
  • Compare sale, hold, segmentation, and workout paths. Use documented timing, costs, and internal capacity.
  • Identify ownership, legal, servicing, documentation, and data exceptions before releasing detailed information.
  • Set the decision authority, confidentiality requirements, and timing for the next review.
  • Agree what can be shared at each stage. Keep the rest restricted until a qualified process is established.

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

Should a seller sell, hold, segment, or work out a portfolio?

A sale is one possible path. Compare the owner objective, the asset, and the data condition. Also compare servicing capacity, timing, costs, and retained obligations. Do that before detailed records are shared.

How do you sell a debt portfolio?

Start by defining the portfolio. Reconcile the available data and documentation. Set information controls. Then decide whether a focused seller review is appropriate. A qualified buyer process should compare complete terms, timing, conditions, and transfer responsibilities. Do not compare a headline price alone.

Who buys debt portfolios?

Potential buyers vary by asset type, geography, and performance profile. Documentation, servicing model, and transaction size matter too. A controlled process should screen for mandate fit and operating capacity. It should also screen for 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. Add a reconciled tape or field inventory. Include documentation, ownership context, and servicing information. Note material exceptions, 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. It also depends on the terms available from qualified counterparties.

What happens after I submit a seller inquiry?

The first review uses high-level business information. It clarifies the asset, objective, available records, confidentiality needs, and timing. If the mandate fits, Fitzgerald can identify the next preparation or counterparty step. Submitting a form does not guarantee a buyer, price, or transaction.

Which brokers specialize in selling equipment finance or healthcare receivable portfolios?

Specialization should be verified against the exact asset. Do not assume it from a general debt-broker label. Ask a prospective broker about relevant mandate experience and information controls. Also ask about buyer screening, engagement scope, and conflicts. Ask which legal, privacy, servicing, and documentation issues it expects to address. Fitzgerald Advisors reviews defined commercial, specialty-finance, equipment-deficiency, and healthcare-receivables mandates for fit. It does not publish a ranked broker list. It does not guarantee a buyer, price, or closing.

Research for this transaction path

Sell a Portfolio articles

Supporting articles for this hub. Use them to prepare a defined mandate, then return here for the appropriate next step.

Related guide Selling bankruptcy claims

Asset-class paths: NPL & non-performing notes · Judgment portfolios · Auto and BHPH · CRE debt seller intake · Whole-loan seller intake

Discuss a portfolio mandate · Sell debt portfolios · Buy debt portfolios

A direct broker desk for qualified buyers and sellers of debt, loan, judgment, CRE, note, and specialty-finance portfolios.