Portfolio Sales, Acquisitions and Divestiture Consulting
SCRA’s portfolio acquisition and divestiture consulting services assist clients with managing balance sheet concentrations and capital ratios. SCRA’s services have assisted clients with exiting non-strategic asset classes and have allowed organizations to strategically raise capital.
Whether you are selling, buying or looking for consumer loan portfolios, SCRA’s analytics team also provides valuation and due diligence assessments to assist with determining a portfolio’s value. As a partner, SCRA’s team of experienced professionals builds risk and pricing models to predict performance and allow for risk mitigation.
By consistently studying the consumer loan marketplace, SCRA matches clients with buyers, sellers, and servicers to help them meet their goals.
With an extensive network of potential acquisition targets including traditional banks, credit unions, and investment banks, as well as the ability to co-invest in portfolios in-house, SCRA can assist clients with the sale or disposition of consumer receivables. Utilizing proprietary analytics for valuation and pricing, SCRA has completed over $1B in asset sales for its customers.
SCRA can invest in assets adding to its internal balance sheet. SCRA can also co-invest alongside our acquisition partners, providing an alignment of performance goals and risk. Additionally, the fact that SCRA’s holding company (SAF Holdings, LLC) also owns a consumer loan servicing platform (AmeriFirst Home Improvement Finance, LLC) allows SCRA to structure acquisitions to include a servicing relationship where appropriate, which further aligns incentives between SCRA and our clients for long-term success.
The team at SCRA has creatively aided clients in orchestrating balance sheet re-structuring to divest consumer loan assets on either a total sale or a participatory basis. With expertise in divesture consulting and creatively analyzing portfolios, clients can minimize asset concentration exposure and/or reduce risk. Aiding clients to sell assets can permit an organization to monetize and increase capital availability.