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EverChain Exchange

Get more fromyour loan sales.With less work.

Performing and non-performing loan sales.

Expert advisors. A certified buyer network. One connected platform for execution, compliance and everything that follows.

Put our teams to work, or give yours the Exchange to do more. Built to improve net proceeds, expand qualified competition and reduce workload.

The Exchange for the Debt Economy
One Exchange. Everything working together.

Platform

  • Loan Sale Execution
  • Compliance Oversight
  • Post-Sale Resolution

Network

  • Performing Loan Buyers
  • Non-Performing Loan Buyers

Advisors

  • Loan Sales Advisors
  • Compliance Advisors & Auditors
  • Post-Sale Resolution Support
Your team leads. Or put our teams to work with yours.
01More competition.
02Stronger execution.
03Greater control.
Institutional & mid-market loan sales

Serving international banks, fintechs and lenders.

BanksCredit UnionsFintechsAuto FinanceConsumer LendersSpecialty Finance
However you sell today

Your next sale deserves
a better way.

Keep the expertise your institution values. Add the market access, technology and support to make the whole process work harder for you.

Using a traditional broker?

You deserve modern execution with expert advice.

Work with experienced Loan Sales Advisors backed by the Exchange. Connect portfolio strategy, buyer engagement, diligence and closing with compliance expertise and the technology to manage what follows.

Explore Exchange + Advisors
Already selling direct?

Keep your expertise.
Expand your competition.

Reach beyond your current buyer panel. Give your staff one place to prepare portfolios, manage diligence and bids, oversee counterparties and resolve post-sale requests, with your team leading the process.

Explore Direct Exchange Access
First sale or returning to market?

Let our advisors turn the opportunity into a plan.

Start with portfolio valuation, sale strategy and an experienced execution team. Our advisors guide preparation and the sale, with buyer oversight and post-sale support built into the process from the beginning.

Plan Your Sale With Us
Flexible solutions for you and your team

One Exchange.
Two ways to execute.

The same platform and buyer network. Choose the level of advisory support that fits your portfolio, internal capabilities and objectives.

Our teams with yours

Exchange + Advisors

Experienced people. Modern execution.

Combine the Exchange with experienced teams to shape strategy, prepare the portfolio, engage buyers, coordinate execution and manage the responsibilities that follow.

Loan Sales Advisors

Portfolio valuation and strategy, sale preparation, buyer engagement, negotiations, closing and continued support after the sale.

Compliance Advisors & Auditors

Buyer and servicer reviews, audits, ongoing oversight and support to address issues through resolution.

116+combined years of loan sales strategy
and execution across our team.
Meet Your Advisory Teams
Your team at the controls

Direct Exchange Access

Your expertise. More market access.

Give your own team the platform and certified buyer network to run the sale. Bring the work into one connected environment, with your staff leading the process.

Expand competition. Run the sale.

Reach relevant performing and non-performing loan buyers. Manage preparation, diligence, bidding and closing through the Exchange.

Keep oversight and resolution connected.

Use compliance records, buyer and servicer oversight, and post-sale tickets to maintain visibility and control.

Add Loan Sales Advisors, Compliance Advisors & Auditors, or both where your team needs support.
Discuss Direct Exchange Access
Your objectives. Your approvals.

Your institution sets the strategy and approves counterparties, commercial terms and the final sale in either model.

How the Exchange works

From portfolio strategy
to final resolution.

One connected process, with your team or our advisors leading the work.

01Market

Set the strategy.
Prepare the portfolio.

Define the objectives, portfolio scope and timing. Bring valuation, data, documentation and sale preparation together.

02Market

Put qualified buyers
in competition.

Engage relevant buyers, coordinate diligence and manage bids through a structured competitive sale process.

03Market

Choose the buyer.
Complete the sale.

Compare price, terms, execution readiness and buyer history. Approve the transaction and coordinate closing and funding.

04Control

Stay connected
through resolution.

Give every post-sale request a record, a responsible owner and a clear path from intake to documented resolution.

ComplyCompliance runs throughout.

Buyer due diligence and audit records before the sale. Ongoing buyer, servicer and fourth-party oversight after it closes. Requirements, reviews and remediation connected in one place.

Focus on what you keep.

Built to improve net proceeds through qualified competition, disciplined execution and less manual coordination. Evaluate the sale price alongside terms, execution costs, internal effort and post-sale adjustments.

Explore the Exchange Platform
The certified buyer network

More qualified competition.
Diligence ready to review.

Broaden competition beyond your current buyer panel. Connect with performing and non-performing loan buyers, with the evidence to evaluate the relationship alongside the bid.

Due diligence files, licensing, audit history, compliance records and buyer scorecards are organized for your review. Our compliance analysts and auditors maintain files and recurring reviews to support audit readiness.

Performing Loan BuyersNon-Performing Loan Buyers
Assess portfolio fit, execution readiness and post-sale conduct. Keep control over who participates and who wins.
Explore the Buyer Network
Buyer reviewIllustrative evidence view

The record behind
the relationship.

Due diligence & documentation

Corporate records, licensing and ongoing requirements.

Audit & certification history

Reviews, findings, remediation and compliance standing.

Performance & post-sale conduct

Buyer scorecards, execution history and responsiveness.

Buyer & servicer oversight

The buyer, the servicers they use and the continuing relationship.

Your review. Your approval.One connected record to support the decision.
The work after the sale

Closing is a milestone.
Accountability continues.

Keep buyers, servicers and the teams responsible for every issue connected after the sale.

Buyer and servicer oversight.

Maintain visibility into buyers and the servicers they use, including fourth-party oversight. Comply also supports your own vendor network.

Every request has an owner.

Information and media requests, documents, complaints, accounting, reconciliation and putback or buyback requests stay visible through documented resolution.

Your staff can lead the work, or our Loan Sales Advisors and Compliance Advisors & Auditors can stay engaged to coordinate follow-through within your engagement.

Explore Post-Sale Resolution
Control · Post-Transaction Requests
Illustrative ticket
Post-transaction requestMedia and account documentation
OwnerAssigned team
StatusIn progress
Next actionSeller response
✓
Request received and categorizedSupporting documentation attached
Complete
✓
Responsible participant assignedService expectation established
Complete
3
Required action in progressBoth parties' communication recorded together
Current
4
Resolution and closureFinal outcome documented
Next
Every request. One shared record.Through final resolution
Portfolio coverage

Institutional breadth.
Performing and non-performing.

Consumer, commercial and residential portfolios. Strategy shaped around your assets, objectives and buyer demand, whether you are planning a single sale or a recurring program.

Consumer & specialty finance

  • Credit cards and secured or unsecured consumer loans
  • Auto loans, leases and deficiencies
  • Fintech and marketplace loans; point-of-sale and BNPL
  • Durable-goods loans and leases; rent-to-own and payday accounts
  • Student loans, including private and FFELP
  • Medical receivables and elective-procedure financing
  • Solar, home improvement, marine and RV loans
  • Telecom, utilities and overdraft / DDA balances

Commercial & real estate

  • Business, small-business and C&I loans
  • Commercial and equipment loans and leases
  • Truck leases, franchise finance and church loans
  • Agriculture, land and farm-equipment finance
  • Commercial real estate: multifamily, office, industrial, hotel and retail
  • Acquisition and development loans

Residential mortgages

  • First-lien and second-lien mortgages
  • Home equity loans and HELOCs
  • Non-QM mortgages
  • Mortgage notes and deficiencies
Special situationsRestructured / TDR and scratch-and-dent portfolios, alongside performing and non-performing residential loans.
Portfolio status

Performing · Non-performing · Charged-off · Bankruptcy

Sale structures

Individual portfolios · Bulk sales · Forward-flow programs

Discuss Your Asset Class
Industry certification

RMAI Certified Information

  • Certification NumbersV1703-1000 · P1506-1120
  • Mailing Address1489 W Palmetto Park Rd suite 500, Boca Raton, FL 33486
Make your next sale the starting point

Before your next portfolio goes to market,see what a better process can deliver.

Tell us what you sell, how you sell today and how much your team wants to manage. We will show you how the Exchange fits.

Exchange + Advisors or Direct Exchange Access. Start with the approach that fits your team.