Seller / creditor tool

Long-form: forward flow agreements and DebtHub notes. Use the cards below, then submit a snapshot.

A spot sale clears one defined pool. A forward flow commits future charge-offs on a grid. First-time sellers usually spot-sale once, then talk flow.

Volume pattern

Is this a one-off backlog or recurring monthly charge-offs?

One-off / cleanup A defined backlog. Spot sale is the usual first close. Recurring every month Predictable new charge-offs. Flow can follow one clean close.

Data dictionary

Are the tape columns the same every month?

Not yet / mixed vintages Spot the file first. Mixed columns stall a flow grid. Stable Same fields each month. Buyers can price a recurring grid.

Prior close

Have you already closed one sale with this desk?

No — first sale Prove title, media, and funding once before anyone prices flow. Yes One clean close is the usual on-ramp to a short flow.

Tell us spot or flow Forward-flow guide

Spot sale vs forward flow

Structure	Use when	Watch for
Spot	Backlog, mixed vintage, first sale	Single funding; no future volume
Forward flow	Predictable monthly charge-offs	Rejects, true-ups, late tapes
Hybrid	Cleanup plus an ongoing book	Two contracts, two calendars

When creditors pick a spot sale

Original creditors and debt sellers choose a one-time spot sale of charged-off receivables when the pool is a defined backlog: mixed vintages, a cleanup book, or the first file a desk will see. A spot sale uses one purchase and sale agreement and one funding. Buyers underwrite the actual tape — charge-off date, last-pay, state mix, original creditor, media percent, and chain of title — instead of pricing a future grid they have not tested. That is why first sales of credit card charge-offs, auto deficiency, medical, and specialty paper usually close as a spot before anyone talks flow.

A forward-flow agreement makes sense after that first close, when monthly charge-off volume is predictable and the data dictionary is stable. The seller commits future eligible accounts on a pricing grid; the buyer funds on a calendar. Watch rejects, true-ups, and late tapes. Hybrid structures — spot the backlog, then a short flow on new charge-offs — are ordinary once title, media, and boarding have already worked once. Use this tool, then submit a snapshot so the desk can size spot versus flow against the file you actually have.

Educational only — not legal advice, not an appraisal. Desk: portfolios@debtmarket.net · 561-254-6608.