Institutional & Portfolio Acquisitions
Creditor Claim Portfolio Acquisitions
For organizations holding multiple creditor claims, SurplusFactor provides a structured acquisition process from upload to closing.
The portfolio process
Upload portfolio
Submit a CSV or XLSX schedule of claims. Not every field is required for initial submission.
Initial screening
We screen for claim type, jurisdiction, approximate surplus and completeness of key data.
Claim-level verification
Each claim is individually verified: validity, balance, attachment, priority and available surplus.
Portfolio underwriting
Recovery probability, timing, cost and assignability are assessed claim by claim and in aggregate.
Indicative pricing
Qualified claims receive indicative purchase pricing against verified expected recovery.
Due diligence
Final documentation review, legal and compliance verification, and assignment analysis.
Purchase agreement
A defined agreement identifying exactly what is being transferred and at what price.
Closing
SurplusFactor deploys its own capital. The seller receives the agreed purchase price.
Portfolio upload format
We accept CSV and XLSX schedules. The fields below are supported; not every field is required for initial submission. The more complete the schedule, the faster the screening.
Submit a PortfolioSupported Fields