Debt Portfolio Acquisition
Troy Capital is a national and regional buyer that has developed and uses sophisticated account-level valuation models paired with a proven network of service providers. Our cost-effective and fully compliant approach ensures maximum value from every portfolio.
Asset Classes We Purchase
We acquire performing and non-performing debt portfolios across multiple asset classes, including:
- Consumer credit card and revolving debt
- Mortgage deficiency balances (first and second lien)
- Medical and healthcare receivables
- Auto deficiency balances
- Telecom and utility receivables
- Commercial and B2B debt
Technology-Driven Operations
We maintain SSAE16 SOC II annual certification based on ISO 20007 principles. Our SQL-based systems and specialized software support compliance, inventory management, and account-level opportunity identification—occurring nearly instantaneously.
Flexible Portfolio Model
Our model accommodates portfolio acquisitions of varying sizes. Returns are driven primarily by purchase price strategy rather than quick liquidation timelines, ensuring sustainable and ethical outcomes for all parties involved.
Strategic Growth
Troy Capital is well positioned to convert net growth into increased net revenue for all involved. We partner with creditors, debt buyers, brokers, attorneys, and collection companies to turn market challenges into strategic advantages.
Frequently Asked Questions
What size portfolios do you buy?
We evaluate portfolios of all sizes, from small single-creditor packages to large multi-million dollar flows. Every portfolio receives the same level of analysis and attention.
How quickly can you provide pricing?
Depending on the asset class and data quality, we can typically deliver initial pricing within 48 to 72 hours of receiving a complete data file.
What documentation do you need?
We require a sample data file with account-level details including balance, charge-off date, last payment date, and account status. Additional documentation requirements vary by asset class and are discussed during due diligence.
How is pricing determined?
Our valuation models analyze each account individually based on factors including balance, age, geography, credit tier, and historical recovery data. This account-level approach ensures competitive and fair pricing.
Do you purchase forward flow agreements?
Yes. We welcome both spot purchases and ongoing forward flow arrangements tailored to meet the seller's volume and timing requirements.