The word 'abc' in lowercase with the letter 'b' larger, in orange, on a black background.

WE ACQUIRE -

FULL/BATCH PORTFOLIOS and INDIVIDUAL LOANS

Industry leading, Fast transactions, No limit

CONTACT

WHY SECURITIZE

  • Two tall modern office buildings with glass facades against a clear blue sky.

    Negative Spread Pressure

    Old loan portfolio yields far below current deposit costs causing continuous losses. Old loan average yield only 3.5%, while CD deposit cost has risen to 5.0%, plus 0.8% operating cost, net spread is -2.3%. Every day of holding means continuous losses.

  • Capital Adequacy Pressure

    Capital Adequacy Pressure

    Regulatory requirements increase, low-yield assets occupy significant capital, affecting bank's ability to expand new business. Regulatory minimum requirement is 10.5%, target buffer level should reach 12.0%, but current average level is only 11.2%. Need to improve capital adequacy ratio through portfolio sales.

  • A tall modern office building with a glass facade against a pinkish sky.

    Liquidity Management Needs

    Deposit outflows and loan demand increase, need to quickly monetize assets to maintain liquidity. Banks face 15-20% deposit loss rate, while new loan demand continues to grow. Cash reserves urgently need replenishment to address daily operations and regulatory requirements.

Why Us.

We are one of the few organizations on the market that has the capacity of acquiring Non-QM portfolios. We’re flexible with our terms and we can do both portfolio acquisition and individual note purchase.

Immediate Liquidity

Quickly convert loan portfolios to cash, typically complete transaction in 10-20 days, immediately improve cash flow status. This rapid monetization capability enables banks to flexibly respond to market changes, seize new investment opportunities, while meeting regulatory liquidity requirements.

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Optimize Balance Sheet

Remove low-yield assets, reduce interest rate risk exposure, improve overall portfolio risk-return ratio. By divesting negative spread loan portfolios, banks can immediately improve net interest income (NII), enhance overall profitability, and create more value for shareholders.

Release Regulatory Capital

Reduce risk-weighted assets, improve capital adequacy ratio, create space for new business expansion. Released capital can be used to issue higher-yield new loans or invest in other high-return business areas, achieving more effective capital allocation.

Long-term Partnership

Establish stable securitization channels, continuously sell newly originated loan portfolios in the future, forming a virtuous cycle. This long-term partnership provides banks with predictable asset exit pathways, helping better plan business development and capital management strategies.

Mature Securitization Channels

We have established long-term stable partnerships with multiple top institutional investors including hedge funds, insurance companies, and asset management companies. These channels ensure we can acquire loan portfolios at competitive prices and quickly complete securitization exits.

Experienced team with track records

Our core team has 20+ years of experience in Non-QM loan field, deeply understands risk characteristics and market pricing of various loan products. Our professional capabilities ensure smooth transactions and maximize bank's recovery value.

Flexible Transaction Terms

We provide customized transaction structures including full acquisition, partial acquisition, or servicing rights retention. Whether whole portfolio sale or batch transactions, we can accommodate bank's specific needs and timeline.

What We Buy

  • A modern multi-story apartment building with balconies. The top left corner features the orange 'abc' logo. Below the building, there are financial details related to DSCR (Debt Service Coverage Ratio), including criteria and ranges, on a black background.

    DSCR.

  • A presentation slide with a background photo of a large house at sunset. The slide contains a header that reads 'BANK STATEMENTS' and three bullet points: '≤ 80% LTV,' '≥ 680 FICO,' and '$100k - $3M.' The 'abc' logo is in the top left corner.

    Bank Statement.

  • P&L WVOE.

  • Modern two-story house with large glass windows and outdoor lighting at dusk, featuring a pool and landscaping around it.

    ASSET BASED.

  • Image of an elegant historic building with a fountain in front, surrounded by well-manicured Gardens. The image contains text about foreign national investment criteria.

    FOREIGN NATIONAL.

  • Modern two-story house with large windows and exterior lighting, under a cloudy sky.

    EXCEPTIONS

  • A white mansion with a large front porch and multiple windows, situated on a landscaped lawn with a curved driveway, small trees, and a fountain, backed by a dense forest.

    JUMBO.

  • Under construction house framing with wooden beams and a blue sky with clouds in the background.

    REHAB/CONSTRUCTION.

  • Looking up at several tall glass skyscrapers against a blue sky with the abc logo in the top left corner.

    COMMERCIAL PROPERTIES.

  • HELOC

    HELOC.

  • A two-story house with a gray shingle roof, white exterior, arched windows, and a double door entrance, surrounded by trees and greenery, on a bright sunny day.

    CLOSED END SECOND.

ASK US ANYTHING.

Ask us any questions regarding this program, or make an inquiry about referral incentives.