Distressed Debt Asset Brokering

Generate income from non-performing assets through portfolio sale assistance.

SCORE was the first in the industry to manage the sales of distressed consumer debt on behalf of Canada’s Schedule A banks. We’re also the broker-of-choice for some of the largest transactions in Canada. We’ve successfully brokered that sale of more than $12 billion in distressed debt for our lender clients, providing some of the following benefits for sellers:

Generating immediate income from your non-revenue producing asset to free up core capital.
Greater certainty on your return by transferring collections risk to another party.
Potential to improve your over-all liquidation rates.
Operational cost savings (administration, data management, audits/QA, inventory handling) so you can focus on core activities.
Forms part of your overall collection and recovery process.
Can be structured to share in your upside (back-end).

At SCORE, we believe there is a process that enables a profitable transaction with a suitable partner, ensuring ample protection from reputational risks. After determining the objectives behind a sale and the composition of the sale portfolio, we assist clients in many aspects of completing a sale.

Performing portfolio valuations, business casing and assist with satisfying corporate governance.
Performing due diligence on potential buyers and service providers.
Vetting accounts and data for sale.
Creating a sales package and presenting a portfolio that includes bid files, portfolio segmentations, solicitation letters, liquidation curves, Q&A, etc.
Creating frameworks for various deal structures such as warehouse/bulk, forward flow, back-end, etc.
Creating purchase agreements and perform negotiation to finalize the sale.

SCORE has helped us review our agency outsourcing. The SCORE team developed a strategy on how to maximize returns, and introduced us to top performing partners in the market. Through the modeling process, we were able to get a lot clearer on what we needed to do, and we were certainly pleased with the 20 percent lift in returns.

Director of Collection, Schedule 1 Chartered Canadian Bank

Proven results.

We have worked on multiple scoring validation projects with SCORE Statistical over the past several years, and they have always delivered on time and at a more detailed level than required. Their flexibility and ability to take on projects on short notice allows us the flexibility to manage our internal resources and projects more effectively.

Thomas Higgins, Director of Credit Risk & Fraud, PC Financial

Proven results.

Since we were new to debt sales, as we began to explore the market to gain a better understanding, we turned to SCORE for their expertise in the field. It was a big plus because they were able to share their knowledge and industry best practices with us. They guided us through the entire process, from data capture to valuation, from optimizing the portfolio's value and taking it to market.

VP Collection and Fraud Management, Schedule 1 Canadian Bank

Proven results.

We are fortunate to have a true business partnership with SCORE, as we have openness and effective communication, and there are no hidden agendas. When others come in to pitch us occasionally, it only reinforces our belief that we’ve already found the best solution in SCORE.

President, Collections Agency

Proven results.

Working with SCORE was a pleasure since there was always an open, honest dialogue. When challenged with a new issue, the team came back with a matrix that provided the best possible data. SCORE also made referrals into certain opportunities that we weren’t aware of, giving us access to new markets and also giving the seller access to more potential buyers. Our relationship with SCORE proved to be very helpful for our business.

Former President, U.S. Debt Buyer

Proven results.

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