About SurplusFactor
Specialty finance for creditor claims.
SurplusFactor is a specialty-finance company focused on acquiring qualifying creditor claims associated with foreclosure surplus and other eligible property-sale proceeds.
Underwrite the claim. Price the risk. Provide the capital.
We identify or receive a potential creditor claim. We verify the underlying obligation, establish its relationship to the property, analyze lien validity and priority, verify available surplus, determine the legally relevant rights, and verify whether the contemplated transfer is permissible. We estimate recovery probability, time and cost. We price the risk. We make a transparent cash purchase offer.
If accepted, SurplusFactor deploys its own capital. The seller receives the agreed purchase price. SurplusFactor acquires the permitted claim or rights and assumes the applicable recovery process and risk.
Disciplined underwriting
Every claim is individually verified and underwritten: validity, priority, perfection, surplus coverage, assignability, recovery probability, timing and cost. Face value is never assumed to equal recovery value.
Principal capital
We purchase for our own account. When a transaction closes, SurplusFactor deploys its own capital, acquires the permitted rights, and assumes the applicable post-closing recovery risk and collection timeline.
Transparent pricing
Our pricing begins with the claim, not a predetermined discount. The creditor receives a defined purchase price and a clear identification of what is being transferred.
Transaction certainty
A defined process from submission through verification, underwriting, offer, documentation and closing. Structured approval governance and jurisdiction-specific legal review support every transaction.