Why Sell Your Portfolio?
Unpaid claims represent a financial risk and tie up working capital. Kredinor has extensive experience in acquiring debt portfolios – particularly from the banking, finance, and energy sectors – and managing complex claims with discretion and care.
By selling your receivables, you can:
- Clean up your balance sheet and improve financial ratios
- Reduce resource requirements and internal reporting
- Improve liquidity and redirect staff efforts to core activities
- Rely on experienced professionals to handle customer relations respectfully
One-Off Transactions
A one-off transaction refers to a single, clearly defined sale of overdue receivables, with no ongoing commitment or agreement. This is well-suited for businesses that want to quickly reduce risk and simplify their ledgers.
Typical structure:
- Portfolio size: for example, 1000 loan accounts
- Nominal value: for example, SEK 100 million
- Loan status: all loans more than 180 days past due
- Data delivery: anonymized dataset including history and current status
- Pricing: determined through competitive bidding
- Final price: based on recovery rate expectations, collection costs, and portfolio risk profile
Forward Flow Agreements
A forward flow agreement is a longer-term partnership where Kredinor agrees to purchase new overdue receivables at set intervals and under predefined terms. This model is ideal for businesses seeking predictable liquidity and simplified debt management.
Example scenario:
- A lender sells all loans over 90 days past due every month
- Kredinor commits to purchasing each monthly batch at a fixed percentage of nominal value
- The agreement is typically valid for a period such as 12 months
- The seller gains recurring revenue and balance sheet relief
- Kredinor receives a stable inflow of receivables
Solution Rate Guarantee (SRG)
In forward flow agreements, Kredinor may include a Solution Rate Guarantee, ensuring a minimum recovery level on the portfolios we purchase. This helps ensure consistent results and builds confidence in the partnership.
Example:
- Kredinor guarantees to recover at least 18 percent of a portfolio’s nominal value within 12 months
- If actual recovery is lower, financial compensation may be triggered under the agreement
- This model offers seller protection and serves as a commitment to high performance
- Benefits of having access on data/insight on claims and their performance during 3PC period
Non-Binding Portfolio Valuation
Considering a portfolio sale? Kredinor offers a free, non-binding assessment of your overdue receivables. This valuation provides valuable insights to help you decide whether to sell the portfolio or manage it internally.
Easy migration
The whole process is easy for your company, we manage the transfer of claims directly from you or your current. Kredinor does this on a regular basis and has experience of migrating large portfolios from the leading banks and DCA in the Nordics.
Experienced, Respectful Customer Handling
Our follow-up processes are customized based on portfolio data and our in-house analytics. Kredinor combines professionalism with empathy to ensure that even challenging cases are handled responsibly. You can trust us to safeguard your brand and customer relationships.
Contact Us
To learn more about selling your receivables through a one-off transaction or a forward flow agreement, get in touch with our team. We’re here to help you unlock capital, reduce risk, and gain clarity.
Contact: Sales@Kredinor.se
Let Kredinor be your partner in smarter, sustainable portfolio management.