What an investor checks before buying your debt

Before bidding on a debt, an investor does their homework. Understanding what they look at lets you make yours more attractive.

What they analyse

• Proof of the debt: invoices, contracts, communications. The stronger it is, the better the price.
• The debtor's solvency: an active company or an individual with income makes collection more likely.
• Age: a recent, non-time-barred debt is worth more.
• Legal status: whether it is already in court or has a judgment changes the risk.

How to prepare

Organise all the documentation, calculate the exact amount with interest, and be transparent about the state of collection. Honesty builds trust, and trust means better offers.

A well-presented debt sells sooner and for more. Gather your paperwork and list it so investors compete.