Liquidity
Convert future and uncertain cash flows into a defined purchase consideration.
PORTFOLIO ACQUISITIONS
Sell a debt portfolio.
TF DebtInvest evaluates acquisitions of NPL portfolios and other overdue receivables. Strong underlying data supports deeper analysis and more precise indicative valuation.
Selling debt portfolios can release liquidity, reduce exposure to future credit losses and save time and internal resources.
POTENTIAL TRANSACTION STRUCTURES
WHY SELL?
Make future cash flows more predictable today.
A portfolio sale can release capital, reduce administration and move part of the recovery risk away from the seller’s core business.
Reduced uncertainty
Reduce exposure to future recovery costs, long collection horizons and variable collection outcomes.
Less administration
Reduce internal monitoring and administration of aged or overdue receivables.
Flexible structure
Consideration may be structured using upfront payment, DPP, Earn-Out or another agreed payment structure.
02
WHO WE BUY FROM
We acquire written-off and overdue receivables from companies across multiple sectors.
This may include credit institutions, telecom operators, utilities, service companies and other businesses with overdue customer receivables.
PROCESS
From portfolio data to completed transaction.
Each stage builds on the previous analysis. The aim is to create a clear decision basis, verify critical assumptions and execute the transaction in a structured manner.
01
Portfolio data
Share a portfolio summary, data tape and relevant supporting documentation.
02
Analysis
We analyse claim-level data, debtor profile, payment history, legal status, servicing and cost structure.
03
Indicative valuation
We develop an initial pricing view and identify the assumptions that need to be verified.
04
Due diligence
Selected data points, agreements, transferability and supporting documentation are verified.
05
Offer
Once the information is sufficient, a binding offer or clearly defined transaction proposal may be provided.
06
Closing
Agreements, payment, data transfer and handover to the relevant servicing structure are completed.
OVERVIEW
Portfolio data → Analysis → Indicative valuation → Due diligence → Offer → Closing
FROM CREDIT LOSS TO LIQUIDITY
Convert expected and recognised credit losses into liquidity by selling the underlying receivables.
The economic outcome depends on portfolio quality, documentation, legal status and the purchase consideration that can be agreed.
VALUATION
Better data supports more precise pricing.
We can start with a portfolio summary, but detailed claim- and debtor-level data generally provides a stronger basis for recovery modelling, cash-flow analysis and indicative purchase price.
- Claim balances and principal amounts
- Age, due dates and payment history
- Debtor and segment information
- Legal status, documentation and limitation
- Historical recovery and current servicing
Secure data transfer
Where material contains personal data or other sensitive information, it should be transferred and processed using appropriate technical and organisational safeguards.
FAQ
Common questions about portfolio sales.
What types of receivables can you acquire?+
We evaluate NPL portfolios, consumer and commercial receivables, telecom and utility receivables and other overdue or distressed claims. Exact scope depends on jurisdiction, documentation, data quality and servicing availability.
How is the purchase price determined?+
Pricing is based on expected portfolio cash flow and risk. We consider balances, age, payment history, debtor data, legal status, documentation quality, recovery expectations, time to cash flow and servicing/legal costs.
Do you need debtor-level data?+
Detailed claim- and debtor-level data generally provides a stronger basis for analysis and more precise indicative pricing. Sensitive information should be transferred and processed using appropriate security measures.
Can the purchase consideration be structured?+
Yes. Depending on the portfolio and transaction, consideration may include upfront payment, Deferred Purchase Price (DPP), Earn-Out or another flexible payment structure.
What happens after a sale?+
The portfolio is transferred under the transaction agreement and managed through an appropriate servicing structure, with performance, reporting and compliance monitored thereafter.
PORTFOLIO DATA
Send the information for an initial assessment.
The stronger the underlying data, the better we can assess the portfolio’s recovery profile, risk and indicative pricing.
Sensitive portfolio data
Portfolio data may contain personal data and other protected information. A secure transfer method can therefore be agreed before a full data tape is provided.