Sectors
Portfolio Advisory work with many of the largest banks, automotive providers and financial service providers within the UK. We also work with the regulated, non-regulated, commercial and utilities sectors.
Automotive
Portfolio Advisory continues to sell for the UK’s largest captives and independent automotive finance providers. We are situational experts in end to end portfolio sales solutions within the regulated and non-regulated sector. Added value is delivered through our unrivalled understanding of the automotive market, therefore we can build bespoke selling points within the collections and recoveries process that earmarks optimum price return on exit.
Commercial Banking (Financial Sector)
Often an overlooked sector for portfolio sale, however, Portfolio Advisory work for some of the UK’s largest banks. We pride ourselves in understanding origination, the customer journey and build the most appropriate sale solution based on quantum. Due to volumes, clients within the sector require bespoke forward-flow solutions that reflect their ever-changing book variants and tolerances. Ipsum Credit Advisory fully understand this and carefully craft long term debt sales solutions.
Commercial (Non-Finance)
Business to business portfolio sales are on the increase. Credit Managers and Senior Executives are always looking for innovative news ways of working problematic accounts. With IFRS9, the increase cost of collection (pre-action protocol), GDPR obligation and stretching DSO; there has never been a better time to discuss debt sale. Portfolio Advisory has vast experience in non-regulated commercial debt sale and can add immediate value to your P&L by building a bespoke debt sale solution.
Company Sales
Portfolio Advisory has vast experience within the consumer sectors including Automotive, Secured and Unsecured. We understand when selling on a customer account that onward reputational risk is at the forefront of any decision to sell. We therefore work with our clients to understand their selling objectives before matching the most appropriate buyer. By offering our bespoke matching service we negate reputational risk and make the wholistic selling experience seamless.
High Cost Short Term Credit (HCSTC)
Portfolio Advisory can provide your business with a consultative solution by providing you with an evaluation of your current portfolio earmarked for sale. We can provide you with redress guidance of NOSIA, SNOSIA and Annual Statements and integrate with your business functions in building towards portfolio sale.
Utilites
Having worked within this industry previously Portfolio Advisory understands the sensitivity around the customer journey and regulatory exposure. Therefore, by fully understanding your collections and recoveries processes we can provide you with a carefully choreographed debt buyer panel that protects your brand post sale whilst achieving optimum prices.
IVA, Trust Deed, Bankruptcy & Sequestration
It is not unusual for collection departments to switch off when in receipt of a pending customer insolvency situation, as the perception is collection opportunity has ceased. Portfolio Advisory sees this as an opportunity. We work with our clients to cleanse, data enrich and prepare these type of cases for sale. This lost revenue can quickly be turned around into an income stream through spot sale or forward flow sale via IPortfolio’s debt sale service.