Consumer Credit Portfolios
Charged-off credit card balances, personal loans, and lines of credit. The largest and most liquid segment of Canada's secondary debt market.
Auto Lending Portfolios
Deficiency balances from auto loan defaults. Rising default rates and declining auction values are creating growing supply across Canada.
Fintech Lending Portfolios
Defaulted installment loans and buy now pay later receivables from digital lending platforms. A fast-growing segment of the Canadian secondary market.
Secured Debt and Deficiency Portfolios
Deficiency balances from mortgage lending, second liens, and other secured credit where collateral proceeds fell short of the outstanding balance.
Government Receivables
Overpayment recovery, delinquent fees, and defaulted government-backed loans from federal, provincial, and municipal entities and crown corporations.
Insurance Subrogation Portfolios
Subrogation claims from property and casualty insurers. Property damage, auto collision, and other recovery rights sold as portfolio transactions.
Telecom and Utility Receivables
Written-off wireless, wireline, internet, and utility balances. High-volume portfolios sold through one-time transactions or forward-flow arrangements.
Structured Credit and Mezzanine Debt
Distressed mezzanine and subordinated debt positions. Complex capital structures requiring specialized analysis of intercreditor dynamics.