Experienced Partner for
Non-Performing Loans
Payable specializes in buying overdue consumer loans from banks and financial institutions.
Our Services
One-Off
A one-off transaction means Payable purchases an existing portfolio of non-performing loans. The price is based on an analysis of the portfolio's future cash flow. The lender avoids future management, strengthens key financial metrics, and gets paid upon portfolio handover.
Forward Flow
A forward flow agreement means that a financial institution can continuously sell overdue credit agreements at a pre-determined price. The conditions for each transfer, including price and volume, are defined in the agreement.
Joint Ventures
Payable has an extensive network of potential partners and vast experience in creating custom solutions.
Benefits of Selling Non-Performing Loans
Backstop Regulation
The new EU regulation increases pressure on financial institutions to handle Non-Performing Loans (NPL) more effectively.
Stronger Balance Sheet
A stronger balance sheet with a lower proportion of problem loans can increase confidence among stakeholders.
Proactive Risk Management
Proactive risk management increases market confidence.
Administrative Costs
Managing non-performing loans requires resources. By selling, these costs are reduced.
Improved Credit Rating
A lower proportion of NPLs on the balance sheet can lead to improved credit ratings from rating agencies.
Results and Liquidity
A sale releases capital and improves liquidity.
Sales Process
1. NDA
The parties sign a Non-Disclosure Agreement (NDA).
2. Analysis
An analysis of the portfolio is conducted using sophisticated valuation models.
3. Offer
We submit an offer with the price expressed as a percentage of the portfolio's outstanding capital.
4. Due Diligence
Upon acceptance of the offer, due diligence is carried out.
5. Agreement
We sign an agreement for the current sale.
6. Transfer and Payment
The credits are transferred to Payable, and you get paid.
Would you like to quickly evaluate what a sale would mean for you? To provide a non-binding price indication, we only need a few details. Contact us
30+ Years of Experience in Buying Overdue Receivables
Payable AB specializes in buying and managing overdue consumer loans. We have extensive experience finding solutions for debtors through guidance and payment arrangements. Payable AB is licensed by the Swedish Financial Supervisory Authority to conduct debt collection activities under the Debt Collection Act (1974:182).
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