Ethically. Compliantly. Profitably.
Troy Capital is a certified national debt portfolio buyer serving creditors, debt buyers, brokers, attorneys, and collection companies across the United States.
Troy Capital acquires performing and non-performing debt portfolios across a wide range of asset classes.
Revolving credit card debt from major issuers and regional banks, including charged-off and performing accounts.
Deficiency balances remaining after foreclosure or short sale, including first and second lien positions.
Hospital, physician, and healthcare provider receivables with full compliance to HIPAA and CFPB guidelines.
Deficiency balances from repossessed or surrendered vehicle loans across all credit tiers.
Wireless, cable, internet, and utility provider receivables from both consumer and small business accounts.
Business-to-business receivables and commercial debt portfolios of varying sizes and industries.
A straightforward process from portfolio submission to closing.
Submit your portfolio details and sample data file. We evaluate portfolios of all sizes.
Our account-level valuation models analyze each portfolio to deliver competitive pricing.
We verify documentation, compliance requirements, and chain of title.
Execute purchase agreement with prompt funding upon completion of file transfer.
A high-value partner for those looking to maximize their return on past and future investments.
RMA certified national debt buyer with rigorous re-certification. SSAE16 SOC II annually certified based on ISO 20007 principles.
Sophisticated account-level valuation models and a proven network of service providers delivering cost-effective outcomes.
Among the first debt buyers to obtain RMA certification and among the earliest to pass its rigorous re-certification audit.