For specialty finance originators, a committed forward-flow or a clean bulk sale is often the difference between scaling and stalling. We structure buyer-ready packages, run disciplined processes with private credit and insurance counterparts, and close with clear representations, surveillance, and recourse mechanics that protect both sides.
Forward-Flow • Bulk Sale
Committed purchases or one-time UPB sale.Private Credit • Insurers
Programmatic and opportunistic mandates.Buyer Grid • Data-Tape QA • PSA
R&W framework and surveillance design.Par/Discount • Reserves
Purchase rate curves, holdbacks, and fees.Eligibility • Concentrations
Early buybacks and dispute process.Servicing SOPs
Backup servicer and custodial control.Static/Dynamic Pools
Vintage curves and roll metrics.$25M UPB+
Aggregation possible; price may adjust.| Deliverable | Detail |
|---|---|
| Buyer Grid & Process | Targeted list across private credit and insurers; staged outreach; NDAs; data room hygiene; calibrated bid instructions. |
| Data-Tape QA | Field checks and reconciliations; static/dynamic cohorts; loss/roll curves; exceptions schedule; sample files. |
| PSA & R&W Framework | Eligibility, concentrations, reserves/holdbacks; purchase rate curves; breach/cure; early buy-backs; dispute resolution. |
| Servicing & Surveillance | Servicing SOPs; reporting packs; performance triggers; backup servicer RFP/award; monthly surveillance metrics. |
| Closing & Onboarding | Confirm data-to-cash controls; custodian and lockbox; first settlement calendar; post-close governance cadence. |
| Term | Market Practice | Comments |
|---|---|---|
| Purchase Price | Par or discount to par | Driven by EL, seasoning, and yield profile. |
| Reserves/Holdbacks | 0.5%–3.0% typical | Released on performance; aligns incentives. |
| Servicing Fee | bps over UPB | Varies with complexity and roll rates. |
| Eligibility & Concentrations | By product, tenor, score/grade, geography | Hard caps limit tail-risk exposure. |
| Buyback/Put | For R&W breach and specific defects | Timelines and dollar caps specified. |
| Reporting | Monthly strat & static pools | Loss, roll, curing, and recoveries tracked. |
| Week | Milestone |
|---|---|
| Weeks 1–2 | Data-tape QA, scope confirmation, buyer grid finalized, NDAs issued, data room prepared. |
| Weeks 3–5 | Indications of interest, confirmatory Q&A, first-round terms; PSA and R&W framework drafted. |
| Weeks 6–8 | Final bids and allocations; backup servicer award; operational playbook agreed. |
| Weeks 9–12 | Documentation signing, initial purchase or first settlement, surveillance cadence set. |
| Item | Terms | Notes |
|---|---|---|
| Minimum Size | $25,000,000+ UPB | Larger commitments ($50M–$100M+) recommended for programmatic flow. |
| Retainer | $62,500 (non-refundable) | Funds data work, buyer process, and documentation lift. |
| Success Fee | 2.0% (forward-flow) / 1.0–1.5% (bulk sale) | Payable at settlement; tiered by size and structure. |
| Timeline | 45–90 days | Contingent on complete data and timely responses. |
Provide product type, current UPB, months on book, recent static pool summaries, and sample data-tape headers. We will revert with price expectations, buyer grid, and a settlement calendar.
Minimums & Fit
Forward-flow or bulk sale — which should we choose? Use forward-flow for ongoing originations with predictable cadence; use bulk sale to monetize a closed book or rebalance risk quickly.
How are purchase rates set? By expected loss, seasoning, roll dynamics, and servicing effectiveness. Buyer cost of funds and liquidity also influence the curve.
What triggers buybacks? Explicit R&W breaches, documentation defects, and specific eligibility failures within defined windows.
Do we need a backup servicer? Yes. Many buyers will not proceed without a named backup and a basic dormancy test plan.
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