Warehouse facilities, credit lines, and bulk portfolio liquidity for originators holding consumer receivables. We match your portfolio profile, credit performance, and growth plan to capital sources with the right structure, advance rate, and risk appetite — without the months of outreach.
Originators sitting on consumer receivables typically need one of two things: capital to keep originating, or liquidity to exit a portfolio. We work both sides of that question.
On the facility side, we match you to warehouse and credit facility providers whose advance rates, eligibility criteria, and reporting requirements fit your asset class and stage. On the portfolio side, we match you to institutional buyers and securitization sponsors with appetite for your receivable type.
Same intermediary, same network knowledge, two distinct outcomes.
Senior secured warehouse lines for originators in active production. We match asset class, ticket size, geographic concentration, and credit performance to facility providers whose box fits — not the other way around. Structures span single-bank facilities, syndicated, and bespoke.
For originators monetizing seasoned portfolios — whole-loan trades to institutional buyers across prime, near-prime, and subprime consumer assets. Home improvement, auto, travel and leisure, healthcare receivables, and other consumer verticals. Matched to buyers whose mandate aligns with your asset and timing.
For originators producing consistent volume in a defined asset class — recurring whole-loan purchase arrangements where the buyer commits to ongoing acquisition at agreed terms. We facilitate the introduction and frame the asset, you and the buyer negotiate the structure.
Network beats search.
Sourcing a warehouse line or a portfolio buyer on your own is a months-long process of cold outreach, NDAs that go nowhere, and term sheets from providers whose appetite doesn't actually match what you have.
We've already mapped the network. We know which providers will look at your asset class at your stage, which won't, and which are actively deploying right now. We bring you a shortlist of real candidates and the context to have a substantive first conversation — not a list of names to chase.
We work with structured consumer receivables across the prime-to-subprime spectrum: healthcare, home improvement, retail POS, travel and leisure, auto, education, fractional ownership, and other niche consumer asset classes. If the asset is a contractual consumer receivable with documented performance, we likely have a facility provider or buyer in the network. If it's something unusual, we'll tell you in the first conversation whether it's a fit.
Both early-stage originators looking for their first warehouse and established lenders looking for a second or third facility, lower cost of capital, or a new buyer for seasoned portfolios. The network spans both. Early-stage placements take longer and usually require more equity support — we'll be direct about what's realistic in the first conversation.
We're an intermediary, not a placement agent. We make the introduction and stay involved through the diligence and structuring process to help both sides reach agreement. We're compensated on the capital side at closing — never from the originator.
From first conversation to closed facility, expect 60-120 days for a warehouse line, depending on asset class, originator readiness, and provider diligence. Portfolio sales can move faster — sometimes 30-60 days for a clean, seasoned book. We compress the front end (sourcing and matching) substantially; the back end (legal, diligence, closing) runs on the provider's timeline.
Tell us about your portfolio. We'll tell you what's in the network and what's realistic — no obligation.