Debt Disposal and Brokerage

A distressed cross-border receivable does not have to sit on the ledger until the limitation period expires. Debt disposal brokerage matches a creditor holding a stalled claim with a buyer willing to price the underlying risk, converting the file into cash now rather than into years of uncertain litigation.

What is included

• An independent read of the file to establish whether the receivable is marketable at all, before any marketing begins.
• Anonymised presentation of the claim to buyers active in distressed receivables from the debtor's sector and region.
• Negotiation of the assignment terms, including the price, the representations given, and what the creditor still has to disclose.
• Drafting or review of the assignment agreement itself.
• Coordination of the formal notice of assignment to the debtor, so the transfer is effective against it.
• A written closing record for the creditor's own accounting and audit file.

What is not included

• No price is fixed before a buyer has actually reviewed the file. We do not commit to a figure before the market has responded, and early indications are not binding offers.
• No purchase obligation on our side. We broker the sale between the creditor and a buyer; we do not acquire the claim ourselves as principal.
• No result is assured. Some files return no bid at all, particularly where the debtor's position is already clearly hopeless or the documentary record is thin. The creditor keeps the receivable in that case.
• No pursuit of the debtor if disposal does not complete. If no assignment closes, litigation or enforcement against the debtor is a separate instruction, assessed on its own footing.

Where the information comes from

Pricing a distressed claim depends on what can be verified about the debtor, not on what the creditor believes about its own file. We draw on public court and insolvency registers, corporate filings and financial statements lodged with official registries, and licensed commercial databases covering the debtor's assets and payment history. The buyer pool sees only what these sources support, plus the documents the creditor supplies; nothing is presented on the strength of assumption.

How the work runs

1. The creditor supplies the underlying file: contract, invoices, correspondence, and any judgment or award already obtained.
2. We assess whether the claim is marketable and say so plainly before any marketing starts. A significant share of files stop here.
3. If marketable, the claim is presented anonymously to a pool of buyers active in that debtor's jurisdiction and sector.
4. Indicative offers come back to the creditor, who decides whether to negotiate, accept, or withdraw the file entirely.
5. On acceptance, the assignment agreement is finalised, notice is given to the debtor, and the transfer completes.

At the end, the creditor either holds the proceeds of a completed sale with confirmation that notice reached the debtor, or holds a written note on why no buyer emerged and what the file's remaining options are.

How the fee is credited

The brokerage fee is agreed as a share of the completed sale price, set out in writing before marketing begins, and deducted from the proceeds at completion. If no sale completes, no brokerage fee is due; the earlier assessment of marketability is billed separately and in advance, so the creditor knows the cost of finding out before committing to it. Where a creditor later brings a related enforcement mandate to SOLUTIO, the assessment fee already paid is credited against that mandate rather than charged twice.

Common questions

Can SOLUTIO buy the receivable outright?

No. We act as broker between the creditor and a buyer; we do not acquire claims as principal. Any offer on the table comes from a third-party buyer, and the creditor negotiates it directly with our support.

What happens if no buyer is found?

The creditor keeps the receivable and pays nothing beyond the earlier marketability assessment. A file that finds no buyer often signals that litigation or enforcement would face the same weaknesses, which is useful information in itself.

Does disposal end the underlying dispute with the debtor?

Disposal transfers the creditor's rights to the buyer under the assignment; it does not itself resolve any defence the debtor might raise. The buyer takes on that dispute as part of the price it has agreed to pay.

A receivable that has already gone unpaid for a long stretch keeps losing value while it waits: other creditors of the same debtor may be selling their own claims first, and the assets that would have satisfied a judgment do not stay in place indefinitely. Testing whether the file has a buyer at all is a faster way to find that out than waiting for a court date.