DebtHub for Creditors
Creditor pathway on DebtHub: banks and lenders sell charged-off debt through a confidential desk, not a public listing. Tape, buyer screen, PSA, funding.
DebtHub · Creditor pathway
If you originate or hold consumer or commercial credit, charge-offs are an operating fact. DebtHub is Triton’s creditor path: a confidential sale to qualified buyers, not a public dump of accounts and not a collection-agency placement.
Who this path is for
Banks, credit unions, finance companies, hospital finance teams, auto captives, and fintechs that need liquidity on charged-off receivables. Typical files we review start around $100,000 face. Smaller pools are evaluated case by case. You remain the original creditor until a purchase and sale agreement (PSA) funds.
If you already sold the paper once and hold a residual or a recalled pool, say so on day one. Chain of title is the first thing a buyer will test.
What selling actually means
A sale transfers ownership of the receivable to a qualified buyer under a PSA. It is not outsourcing collections. After cut-off, the buyer owns the paper, boards it, and runs its own compliance program. Triton packages the file, screens buyers, runs the bid, and supports the 90-day warranty window the contract defines.
| Option | Who owns the paper | When cash arrives | Reputation residual |
|---|---|---|---|
| In-house collections | You | As accounts pay | All of it stays yours |
| Agency placement | You | As the agency remits | Calls still go out in your name or theirs under your title |
| DebtHub sale | Buyer after funding | At close (14–45 days from a complete file) | Drops after cut-off if boarding is clean |
The creditor sequence
- Intake snapshot: asset class, face, vintage, account count, one-time vs forward flow.
- Media and chain of title: bill of sale trail, charge-off flags, last-pay, COS where it exists.
- Mutual NDA, then a redacted waterfall or sample tape to matched buyers only.
- Bids as percent of face or bps. PSA, funding, boarding.
- 90-day warranty window for deceased, paid-prior, and ineligible accounts as the PSA defines.
Why creditors use a marketplace desk
A single-agency placement is simple and often cheaper to administer. A desk with 200+ screened buyers is slower by a few days and usually produces a tighter bid because buyers compete on a complete file, not a rumor. If the file is thin, we will say so before you shop it.
DebtHub is the operating layer. The long-form how to sell a debt portfolio guide is the reference manual. Use both.
Questions this page answers
Is Triton a collection agency?
No. Triton Financial Solutions is a debt buyer and broker. DebtHub does not contact consumers about individual debts.
Will my accounts appear on a public lot list?
No. Intake is confidential. Qualified buyers see files under NDA after they clear licensing, insurance, and data-security review.
What is the smallest file you review?
About $100,000 face is the working floor. Smaller pools are case by case if media and title are clean.
Paired reading: Choosing a qualified debt buyer
Paired reading: Seller packaging and media
Paired reading: Buyer qualification (buyer-facing)
Start a confidential saleCreditor liquidity options
Desk: portfolios@debtmarket.net · 561-254-6608. Institutional only. Not consumer collections.