AI-Derived Stratification
Sell-through probability • 36 mo
Discover / 01
We review your portfolio type, geography, and compliance framework to confirm a clear buyer fit before we ever look at a tape.
Institutional Debt Buyer · First & Third Party
AI debt portfolio intelligence Turn charged-off accounts into clean exits.
We buy non-performing and charged-off portfolios using AI-driven analytics, compliant workflows, and trusted recovery partners—giving you transparent pricing, faster sales, and less operational drag.
Live portfolio diagnostics
AI Recovery Score • v2.3
Modeled Gross Recovery
+18.4%
Compliance Risk Band
Low–Medium
Average Account Age
19.7 mo
Objectives
Simple, compliant portfolio sales workflow.
From first contact to final file transfer, our process is built to be repeatable, predictable, and regulator-friendly—so you can exit non-performing assets without adding risk.
Analyze / 02
Tapes are ingested into our AI engine to stratify risk, expected recovery curves, and outliers that can impact pricing.
Price / 03
We issue transparent indicative bids with underlying assumptions so stakeholders understand why an offer looks the way it does.
Execute / 04
Once terms are agreed, we coordinate contracts, remittance, and encrypted file transfer on a defined closing timeline.
Support / 05
Need post-sale reporting or recurring flow agreements? Our team stays in the loop as a long-term portfolio partner.
Our Focus
Debt we’re actively buying.
We concentrate on clearly documented, consumer-facing assets with strong data, clean chains of title, and modern compliance frameworks.
Portfolios
Charged-off & Non-Performing Consumer Debt
Credit cards, personal loans, BNPL, and auto deficiency balances. US consumer paper with verified identity fields and activity histories.
Institutions
Banks, Credit Unions & Fintech Originators
We work with national and regional institutions needing repeatable sales programs for non-performing assets—without reputational surprises.
Compliance
AI-Validated Compliance & Vendor Oversight
Our models flag statute-of-limitations, state restrictions, and documentation gaps. Recovery is handled by licensed, monitored partners only.
Why Work With Us
Technology forward, but relationship first.
You don’t just need a bid—you need a repeatable exit strategy for non-performing debt that holds up under internal and regulatory scrutiny.
Our team blends capital markets discipline with AI-based analytics to surface the story inside your portfolio: where value concentrates, where risk hides, and how that should translate into price.
- AI models that augment your existing charge-off and recovery analytics.
- Standardized NDAs, data rooms, and closing checklists to reduce friction.
- Clear assumptions behind every indicative and final bid—no black boxes.
- Recovery partners vetted for consumer-first, regulator-aligned practices.
Let’s Start a Conversation
Share your portfolio details.
Send a brief overview, and we’ll follow up to coordinate an NDA and secure tape transfer—or answer any initial questions you have.
Whether you’re exploring a one-time sale or building a recurring flow program, we’re happy to start with a low-friction, high-context conversation.
- Typical response time: within one business day.
- We’ll never repurpose or resell your data outside a formal engagement.
- Standard NDAs are available, or we can review your paper.
Prefer to talk live? Call 877.809.1433 and ask for portfolio acquisitions.