Institutional Liquidity Architecture

The Don’s Deal Desk
Private Debt Broker &
Off-Market Debt for Sale

The big funds ignore you. The brokers send you scraps. I change the math.

Stop searching public boards for scraps. As a specialized private debt broker, I connect principals around off-market debt portfolio opportunities and direct buyer–seller conversations.

Whether you are evaluating charged-off consumer paper or bringing a portfolio to market, this is the desk for a disciplined introduction and a clear next step.

Private debt portfolios. Buyer and seller qualification. No invented public listings.

By Jeffery Hartman, The Don of Debt · 18 years of debt brokering experience.

01 / THE DESK

Emerging Buyers. Independent Sellers. Niche Lenders.

A broker’s role

What does a debt broker do?

A debt broker helps qualified buyers and sellers connect around a portfolio transaction. Depending on the assignment, that can include sourcing a debt portfolio opportunity, organizing an introduction, clarifying buyer fit, and coordinating the path to diligence and negotiation.

A broker is not automatically the debt buyer, servicer, collector, or legal adviser. Each party’s role, authority, and responsibilities should be documented for the specific transaction.

Explore the off-market deal desk Prepare a commercial debt portfolio for private sale
A navy deal desk with blank portfolio folders, papers, and fine cyan connection lines.
DESK FILE 01 A direct route from debt portfolio opportunity to qualified review.
Portfolio focus

The debt portfolio matters more than the marketplace.

Asset categories referenced across the desk’s source material are examples of focus—not a claim that any particular portfolio is currently available.

01

Charged-off consumer portfolios

Understand ownership, account data, documentation, exclusions, and servicing needs before evaluating a purchase.

02

Auto and consumer loan debt

Debt portfolios are reviewed on their own terms, including asset type, geography, data, and transfer authority.

03

Credit card paper, NPLs & commercial matters

Portfolio opportunities may vary. Current availability and buyer eligibility are confirmed directly. For an account-level commercial framework, read the commercial debt buying guide .

Related interests include debt portfolio sale, debt for sale, commercial judgments, CRE notes, and debt portfolio brokerage. Those phrases describe search topics and portfolio categories, not live listings.

A clear path

You have the capital. Now you need the method.

Every assignment is different. A sensible starting point keeps the buyer, seller, asset, and diligence scope clear before sensitive files are shared.

  1. 01

    Define the objective

    Share whether you are buying, selling, or originating—and the portfolio type and geography that matter.

  2. 02

    Confirm fit and authority

    Clarify the parties, seller authority, buyer criteria, confidentiality expectations, and appropriate next steps.

  3. 03

    Review before committing

    Evaluate the data, media, ownership, exclusions, servicing, and transaction documents with qualified advisers.

Straight answers

Debt broker questions

For buyers and sellers searching for a debt portfolio broker, the starting point is role clarity and a real diligence process.

What is a debt broker, and what services does a debt broker provide?

In this commercial portfolio context, a debt broker is an intermediary who connects qualified sellers with potential debt buyers. Debt broker services may include sourcing or introducing a debt portfolio opportunity, confirming fit, coordinating communications, and organizing the path to diligence. A broker is not automatically the buyer, lender, servicer, collector, or legal adviser.

How do debt brokers work with creditors and portfolio sellers?

A broker can clarify the transaction objective, seller authority, buyer criteria, written engagement, and next diligence steps. A debt sales broker or debt placement broker may have a different scope from a direct seller or debt trader, so confirm the role, authority, compensation, and conflicts in writing. Here, “commercial debt broker” refers to portfolio transactions—not a promise of commercial real-estate loan origination.

How do debt broker fees and commissions work?

There is no single fee schedule for every debt sale. An engagement may use a success fee, fixed fee, retainer, or another written arrangement. Compare the scope and fee terms for a debt broker before work begins; confirm the fee basis, payment trigger, expenses, and any exclusivity in the agreement.

What is the typical process when working with a debt broker?

A typical process defines the objective and written broker role, confirms buyer or seller fit, shares a non-confidential summary, agrees how any sensitive information may be reviewed, verifies seller authority, and then moves through diligence, negotiation, and transfer documents. The actual sequence depends on the asset, parties, and applicable requirements.

What are the benefits of a debt broker versus contacting a seller directly?

A debt broker may help with introductions, buyer fit, transaction communications, and process coordination. Direct contact can be simpler when the parties already know one another. Compare access, fees, confidentiality, authority, and responsibilities in writing; not every transaction needs a broker.

Can a small business buy or sell a debt portfolio through this desk?

A small business may inquire if it is a qualified transaction principal and can meet the seller’s buyer criteria, capital, servicing, diligence, and compliance requirements. Eligibility and inventory are confirmed for each transaction. This is business-to-business portfolio brokerage, not a personal-loan or consumer debt service.

How can I evaluate a reputable debt broker in the United States?

Review the written role, seller authority, fee basis, potential conflicts, references, and diligence process. Do not rely on a “best debt broker” claim or an unsupported rating. This site does not publish a customer-review score; evaluate any broker against your transaction needs and obtain qualified advice on applicable requirements.

What debt broker regulations or licenses apply?

Requirements can depend on the broker’s actual activities, asset type, parties, and jurisdiction. There is no blanket licensing or certification claim made here, and this site is not a debt-broker career, jobs, or salary guide. No “near me,” UK, Australia, or city-specific service area is claimed. Confirm transaction-specific legal and compliance requirements with qualified counsel or the relevant regulator.

Are you a commercial real estate debt broker, debt finance broker, or loan broker?

No commercial real-estate loan, mortgage, venture-debt, merchant-cash-advance (MCA), or other debt-finance origination service is represented here. References to CRE notes or commercial judgments describe possible portfolio topics only; they do not establish an available portfolio or a loan-brokerage service.

Do you broker CRE notes or other debt notes?

CRE notes and debt notes may be relevant portfolio topics, but this site does not guarantee that a particular note portfolio is available or within scope. Confirm the instrument, seller authority, transfer terms, geography, and buyer eligibility directly before treating a search phrase such as “debt note broker” as a current offering.

Is this a debt-consolidation, settlement, or personal loan-refinancing broker?

No. The Don of Debt focuses on debt portfolio transactions between qualified principals. This site does not consolidate or settle an individual’s bills, negotiate personal debts to reduce a consumer balance, arrange a debt-management plan, refinance a personal loan, or provide a personal debt roll-up service.

Do you offer a free trial or a free consumer debt-relief consultation?

This is not a subscription product, and no free trial or consumer debt-relief consultation is advertised. Any brokerage or preliminary engagement terms should be confirmed in writing before work begins.

Who is Jeffery Hartman, The Don of Debt?

Jeffery Hartman is the author of this site’s debt-broker and portfolio-sale material. He identifies as The Don of Debt and states that he has 18 years of debt brokering experience. This is not a claim of a legal, accounting, collection, or regulatory credential.

Does a debt broker buy, service, or collect the debt?

Not by virtue of being a broker. A buyer, seller, broker, servicer, and collector can have different roles. Confirm each party’s authority and obligations in the transaction documents and with qualified counsel.

Initiate the protocol

The first conversation is about fit.

This is a direct channel for strategic engagements, portfolio sales, and buyer qualification. It is not a public marketplace or a secure document portal.

567 694 0684jeff@fitzgeraldadvisors.comMonday–Friday, 9 a.m.–5 p.m.
Request a strategic call

Submit your objective

Tell us whether you are a buyer, seller, lender, or other principal.

A local anti-spam check runs before this form opens your email application; it does not send data to this website. Please do not email debtor-level, account-number, or consumer personal information.

Current availability

Tell Jeffery what you’re looking for.

Share your role and transaction goal. This opens your email application; it does not submit to or store data on the website.

A local anti-spam check runs before this form opens your email application; it does not send data to this website. Please do not email debtor-level, account-number, or consumer personal information.