Data tape
Account-level balances, open and charge-off dates, last pay, status flags, and state mix. See the data tape fields.
Sellers · Confidential intake
Submit a charged-off debt portfolio
Use this page to start a sale with Triton’s desk. Tell us the asset class, face, vintage, account count, and whether this is a one-time sale or a forward-flow opportunity. We do not post live lots. Files move under NDA to qualified buyers only.
$500M+Transactions facilitated
200+Qualified buyer network
15+Years in the secondary market
50States covered
How portfolio submission works
Submitting a portfolio is not a public listing. You send a confidential snapshot. The desk decides whether the file is ready to market, what media is missing, and which qualified buyers should see it under NDA.
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1
Send the snapshot
Asset class, approximate face, average or range year of the debt, number of accounts, and one-time vs forward flow. No consumer names on this form.
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2
Desk review
We reply, usually within one business day, with fit, questions, and whether a data tape or media sample is the next step.
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3
NDA and controlled files
Qualified buyers execute NDA before they receive a tape. We do not broadcast account-level files on the open web.
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4
Bids, PSA, funding
Award, purchase agreement, cutoff, and wiring. Related reading: cutoff and closing.
What to have ready
Media sample
Applications, statements, charge-off evidence, and assignment chain. Litigation buyers will require a fuller archive. Media checklist.
Sale structure
Spot sale for a warehouse or one-time cleanup. Forward flow if you generate monthly charge-offs. Forward flow guide.
What counts as a portfolio on this form
A portfolio here is a set of charged-off accounts one seller can describe with a single cut-off. The accounts share a product, or they are split by product if you are selling more than one. A single consumer account is not a portfolio. A performing book that has not charged off is a different conversation, and this form is the wrong door for it.
Portfolios for sale on this site means those charged-off sets, offered through the desk to operating buyers. It does not mean a public catalog of lots. Nothing you type here is published.
What to have ready before you submit
| Have this | Leave this for later |
|---|---|
| Product, account count, unpaid principal | The full account-level tape |
| Charge-off start and end | Every statement image |
| Media percent, even if it is an estimate you can defend | A perfected scan of every contract |
| States, and any state you will not sell | A legal memo on each state’s statute |
| Known exclusions already removed or flagged | A finished purchase agreement |
Buyers who receive a tape later will still want the tape fields and the media. The five items above tell the desk whether the file is ready to show.
One snapshot, the way the form should read
Personal loans. 2,800 accounts. $4.1 million unpaid principal. Charged off January 2024 through April 2025. Contracts imaged on 88 percent. Payment history on 94 percent. Fourteen states, with two states the seller wants pulled. Bankruptcy and deceased flags already in the extract, about 3 percent of face, removed at cut-off. The seller wants a spot sale. One operations manager is the contact.
That note can be reviewed. If the goal is a repeating monthly delivery, say that in the same submission. Spot versus forward flow is a different structure. The sale structure tool is the short version. Product context is the pricing study. A human read of one snapshot is a valuation review.
Questions on the way in
Is the submission an offer to sell at a price?
It puts the file in front of the desk. A price comes back from buyers after they see the tape under NDA.
Who sees what I upload?
The desk. Screened buyers see a snapshot first. Account-level rows wait for the NDA.
What if I only have part of the media?
Send the percent you have and name the gap. A known 60 percent with contracts beats a claim of full media that fails the first sample.
This form is for institutional sellers — banks, finance companies, fintechs, and other holders of charged-off receivables. We do not buy consumer-submitted personal debts or handle “stop calling me” requests.
Seller intake form
Required: name, company, work email, phone, and a short message. Optional fields help us match buyers faster.
Seller questions before you submit
Do I need a complete media archive to submit?
No. Submit the snapshot first. Collections-only files can often start with a tape. If buyers will litigate, we will ask for media before a full launch.
Is this a public auction of live lots?
No. DebtMarket does not post consumer account lists. Inventory is shown to qualified buyers under NDA after desk review.
What is the difference between a one-time sale and forward flow?
A one-time (spot) sale is a defined pool. Forward flow is a recurring sale of future charge-offs under eligibility and pricing terms. Choose either on the form if you are open to both.
How long does a sale take?
Complete files typically close in 3–14 days after buyer match, depending on diligence, PSA, and cutoff. Incomplete media or title gaps add time.
Also see the seller overview, how to sell a portfolio, and DebtHub for sellers.