Debts for sale

What you will find

The debts-for-sale catalogue holds unpaid claims that their owners assign at a discount: invoices, loans, rents, business or personal debts, and whole portfolios too. Each listing summarises the essentials so a buyer can assess the opportunity without exposing the debtor's personal data.

How listings are organised

Each debt or portfolio is published as a listing with its general data. You can filter and sort by amount, type of debtor (company or individual), sector, age and level of documentation, to focus on the risk profile you want. Portfolios are identified as a block, with their volume and aggregate amount.

What information you will see

Detailed documentation is only shared with the buyer if the seller accepts their offer.

Common categories

• Unpaid invoices between businesses.
• Personal debts with documentation or a judgment.
• Unpaid rent.
• Portfolios of defaults in bulk for volume investors.

How to make an offer

1. 1

   You pick a listing

   You review the published data and assess the risk.

2. 2

   You send your offer

   You propose a purchase price to the seller, with no commitment.

3. 3

   You review the documentation

   If accepted, you access the detail for your due diligence.

4. 4

   You close the assignment

   You formalise the assignment and the debtor is notified.

Debtor privacy

Listings do not show the debtor's identity. The seller is not asked for the debtor's personal or contact data to publish: only the amount, the documentation and the nature of the debt. That detail is only exchanged between the parties if they close the deal.

What if I want to sell?

If you arrived here with a debt you want to sell, the process is the reverse: you list your debt or portfolio and buyers make you offers. No commission on the sale and without exposing the debtor.

How to choose your first purchase

With many listings in front of you, a method helps you stay focused. Start by defining your budget per deal and your risk tolerance. Then filter for what you can value well: debts with clear documentation, amounts that fit your budget and identifiable debtors. For a first purchase, favour low risk even if the discount is smaller: you will learn how real collection works without risking too much. As you gain experience you can move toward debts with bigger discounts and more risk.

Questions worth asking the seller

Before closing, ask what the listing does not answer: what is the exact origin of the debt? What documentation is handed over and in what format? Has it been pursued before, in or out of court? Are there prior partial payments? When does the limitation period expire? The answers sharpen your valuation and avoid surprises in due diligence. A transparent seller who answers clearly is, in itself, a good sign about the quality of the claim.

Single debts vs portfolios: which suits you

The catalogue holds both individual debts and bulk portfolios, serving different investors. A single debt lets you analyse one claim in depth and control risk case by case: ideal to start. A portfolio offers volume and instant diversification, but demands more capital and a statistical valuation of the whole. If you are learning, start with well-documented single debts; once you master collection, portfolios let you scale.

How the asking price and your offer work

Each listing starts from the seller's expectation, but the real price is set by agreement. You send an offer reflecting your risk assessment and target return; the seller accepts, rejects or negotiates. You do not have to accept the asking price: it is only a starting point. Bidding with judgement —neither so low you are dismissed nor so high you lose margin— is the skill that separates a good buyer from one who overpays.

What happens after your offer is accepted

When the seller accepts your offer, you access the detailed documentation for your due diligence and, if it all checks out, you formalise the assignment. The debtor is notified that you are now the creditor and you take over collection. From that moment, the relationship with the seller ends: the claim is yours, with its risk and its journey. That is why the review before accepting and signing is the step that most protects your investment.

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