Who We Are
SurplusFactor is a specialist purchaser of surplus funds claims, combining verified underwriting with transparent, fair pricing.
SurplusFactor was founded on a simple but powerful idea: people who are owed surplus funds from foreclosure or tax sales deserve a fair, transparent way to convert those claims into cash now — without waiting months or years for the legal process to conclude, and without being taken advantage of by predatory operators.
We are not a law firm, and we do not provide legal advice. We are a licensed, regulated purchaser of financial claims. Every transaction is structured as a permitted assignment of rights under applicable state law, with full disclosure and a cooling-off period where required.
Our underwriting is powered by SurplusPlatform, a proprietary system that verifies claim amounts, identifies competing interests, confirms entitlement under local jurisdiction rules, and calculates a transparent purchase price. No guesswork. No hidden fees. No pressure.
Our Principles
Integrity First
We disclose everything. If a claim is weak, we say so. If we cannot make a fair offer, we say so.
Consumer Protection
We comply with all applicable state surplus funds laws, including mandatory disclosure and cooling-off periods.
Fair Pricing
Our Fair Offer Standard aims for at least 75% of verified expected recovery. We generally will not discount more than 25%.
National Reach
We operate across all U.S. jurisdictions that permit the assignment of surplus funds claims.