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Garnet Capital Advisors is a specialized loan sale advisor that helps thrifts, depository institutions, lenders, auto lenders, merchants, POS lenders, point of sale, lessors, lease holders, banks, credit unions, government agencies, fintechs, specialty finance companies and institutional investors sell loan portfolios and find qualified buyers. For more than 20 years, Garnet has advised on the sale of consumer, commercial, residential, equipment, office, and multi-family loans across performing, non‑performing, sub‑performing and charged‑off segments. Institutions hire Garnet when they need a trusted, experienced intermediary to design and execute a loan sale, manage competitive auctions, and protect confidentiality, data security, and reputation.
If you are asking, “How do I sell a loan portfolio?” or “How do I find buyers for my loans?”, this FAQ explains how Garnet can help.
Garnet Capital Advisors helps institutions sell consumer, commercial, and residential loan portfolios, both as bulk or one-time/singular/installment loan sales and as forward flow arrangements over time.
If you are looking for how to sell consumer, commercial, or residential loans, Garnet can run the entire sale process from portfolio preparation through closing.
Garnet advises on the sale of performing, sub‑performing, non‑performing, and charged‑off and bankrupt loan portfolios. If you are asking how to sell non‑performing loans or charged‑off and bankrupt receivables, Garnet can design a sale structure and buyer list that fits each asset type.
Because there are material differences between, and inside of, performing, non‑performing, sub‑performing and charged‑off loan portfolios, Garnet’s experienced analytical team focuses on uncovering pockets of value and avoiding execution missteps in each category.
Institutions use Garnet as a loan sale advisor when they need an experienced partner to sell loans and manage buyer relationships. Garnet works with:
We are also currently selling on behalf of specialty finance firms, major fintech platforms, credit card companies, auto finance companies, hedge funds, private equity funds, and trustees and receivers in bankruptcy cases or winddown situations. Garnet provides specialized expertise.
Garnet provides access to a large, active buyer network across the risk and price spectrum.
Garnet runs frequent loan sales and has strong relationships with these buyers, which helps sellers reach qualified, repeat investors and create competitive bidding for their portfolios.
Garnet is a high‑volume intermediary. In 2025, Garnet closed 230 loan sale transactions with an aggregate principal balance of approximately 7.6 billion dollars, with about 600 million dollars invested through Garnet.
These transactions covered consumer, commercial, and residential loans across all performance levels. This activity gives Garnet current market intelligence on pricing, structures, and buyer demand, which is critical when you are deciding how and when to sell your loans.
If you are wondering whether you need a loan sale advisor, institutions choose Garnet because Garnet focuses exclusively on loan sales and brings a proven, repeatable process.
This is Garnet’s core business and we have been doing it successfully for decades. You gain the benefit of thousands of completed transactions, a deep buyer network, and senior‑level guidance at every stage of the sale.
The answer is a combination of experience, market reach, analytics and process.
This approach helps institutions capture more value, avoid execution risk, and reduce surprises during and after the sale.
If you are searching for a loan sale advisor with strong data security, Garnet has robust information security and compliance controls that align with major financial institutions.
Garnet has been vetted by the FDIC, NCUA, and most major banks for compliance and data security, and is compliant with SOC type II and PCI‑DSS standards. This allows institutional sellers to engage Garnet with confidence that data, confidentiality, and regulatory expectations are addressed appropriately.
Garnet prepares a comprehensive set of transaction documents tailored to your assets and goals, which often includes:
These materials support both traditional underwriting and data‑driven or AI‑driven analysis, helping buyers bid confidently and accurately.
Garnet proactively manages the process, Garnet is hands‑on from start to finish.
Garnet typically runs sealed‑bid auctions and provides a Bid Summary Sheet that shows bids, key terms, and PSA points in a format that can be shared with internal stakeholders.
If you are asking who helps with loan sale contracts and PSAs, Garnet brings significant experience to this part of the process. While Garnet is not a law firm and does not provide legal advice, we:
This support helps your internal and external counsel negotiate a balanced, market‑standard agreement and avoid costly pitfalls. For many sellers, the improved terms negotiated with Garnet’s guidance can be worth many times the advisory fee.
Garnet acts as a transaction intermediary to keep the deal on track.
Garnet’s detailed closing support helps institutions minimize delays, reduce disputes, and avoid last‑minute surprises.
If you are looking for a long‑term partner for repeated loan sales, Garnet remains engaged beyond closing. Post‑sale, Garnet:
This long‑term engagement makes Garnet a strategic partner rather than just a one‑time broker.
If you are asking how to set up a loan flow sale or forward flow program, Garnet structures and manages flow transactions where loans are sold on a recurring basis.
Garnet’s goal is that “Garnet flows do not break.” We stay in continual contact with both parties and address issues early so the relationship remains stable and productive.
If you want to know how long a typical forward flow loan sale lasts, most Garnet flow transactions are structured with an initial term of around 12 months. Depending on portfolio metrics, origination volumes, and market conditions, flows can be shorter or longer.
Many Garnet flow sellers are repeat clients who have sold for over a decade through Garnet, some exceeding 100 closings.
If you are asking what it costs to hire Garnet as your loan sale advisor, Garnet uses a competitive, success‑based fee structure aligned with transaction size and complexity. Fees are designed to be in line with other market options while providing a substantially higher level of service.
The result is that the additional value created or preserved by using Garnet typically exceeds the cost of the advisory fee.
