Unlock capital.
Sell your receivables.
Secure liquidity, minimize risk, and reduce costs with debt sales.
A solid foundation for reliable liquidity.
Liquidity planning requires a partner with capital strength, experience and vision. We invest our own capital, backed by Bertelsmann, to provide a solution that grows with your business.
Our financial independence and deep expertise create the foundation for sustainable growth. We enable a forward-looking and scalable approach to receivables sales:
- Across industries and markets
- One-time or Revolving
-
Competitive and profitable
Strengthen your financial strategy.
Make the most of debt sales: Reinvest freed-up capital into business growth, minimize risk, and give your team time for what matters most.
Regulated, secure, and
transparent.
Regulatory requirements? Met. Our transactions are BaFin-approved, GDPR-compliant, and fully auditable - ensuring a risk-free process.
Lower costs, less effort.
More focus.
Managing unpaid receivables takes time and resources. Selling debt reduces internal workload, allowing your team to focus on business growth instead of collections.
Free up capital when it matters most.
Leading businesses have already made debt sales part of their financial strategy to minimize risk and maintain stability. Secure liquidity and convert unpaid receivables into reliable capital.
Planning to sell your receivables? Let’s talk.
|
|
Axel Kulick Axel Kulick, Vice President of Sales Debt Collection & Debt Purchase |
Seamless process for debt sales
Portfolio Analysis
by Industry Experts
No matter the industry: Our experts know the market and assess your portfolio with precision, transparency, and a tailored approach.
Competitive Pricing
with Full Transparency
You receive an offer based on portfolio performance and market conditions—ensuring a fair price with no surprises.
Smooth & Efficient
from Start to Finish
We ensure compliance and operational efficiency throughout the process. No delays, no unnecessary friction.
Sell, contract us, or combine both
Choose the strategy that fits your business: Sell receivables, assign collections, or combine both. We merge AI-driven processes with human expertise to ensure efficient, fair, and compliant debt recovery. Our omnichannel approach and digital self-service tools make payments seamless while maintaining positive customer relationships.
Whether debt sales, collections, or both—our tailored models optimize liquidity, reduce costs, and give you full control.
Debt Collection regulations across countries: navigating the global escape
In today’s global economy, providing credit to international customers is common practice for many companies. However, this also brings the complex challenge of cross-border debt collection. Each country has its own regulations on debt collection practices, making it essential for businesses to understand these practices to ensure successful and compliant debt collection.
Human-Centric Debt Collection: Balancing Technology with Empathy
Something transformative is happening within the field of debt collection: it's changing how agencies connect with people in debt. Moving beyond the traditional methods of automated calls and standardized letters, the focus is now on blending technological efficiency with genuine empathy. At Riverty, we believe in harnessing innovation to not only streamline processes but also to foster understanding and respect in every interaction.
Frequently Asked Questions About Debt Sales
Selling structured receivables portfolios ensures efficient processing, improved liquidity, and a market-driven valuation. Businesses managing high volumes of overdue receivables or non-performing loans benefit from this structured approach, optimizing both operational efficiency and financial outcomes. At Riverty, we specialize in purchases of structured portfolios with high volumes of receivables, delivering a transparent, data-driven transaction process.
The right timing depends on cash flow needs, risk management strategy, and collection effectiveness. Some businesses sell early in the dunning phase to free up capital, while others wait until internal recovery efforts are completed. Industry best practices suggest that selling non-performing receivables early can improve liquidity and reduce administrative burdens. Riverty provides expert portfolio analysis to help determine the ideal time to maximize value.
If you prefer to retain ownership of your receivables while outsourcing collection, options such as debt collection (servicing) or hybrid models offer greater flexibility. These solutions allow businesses to continue recovery efforts while maintaining financial control. Riverty offers tailored solutions, including full debt sales, servicing, or a combination, ensuring the best strategy for your needs.
Businesses can sell overdue invoices, titled debts, and structured portfolios across various industries. The best approach depends on legal enforceability, debtor risk profile, and recovery probability. A data-driven evaluation ensures fair pricing and optimized financial outcomes. Riverty provides expert valuation, assessing receivable types to match the best sale strategy.
Portfolio valuation is based on key factors such as claim maturity, debtor structure, historical recovery rates, and market trends. A transparent, analytical approach ensures competitive pricing. At Riverty, our team conducts in-depth assessments using predictive analytics, providing businesses with market-driven offers backed by financial expertise.
The timeline depends on portfolio complexity, data availability, and due diligence requirements. A well-prepared portfolio can be assessed quickly, ensuring a smooth transaction. Riverty follows a streamlined, fully compliant process, enabling businesses to access liquidity efficiently.
Debt sales must comply with financial regulations, data protection laws (e.g., GDPR), and contractual obligations. A legally secure transaction requires full auditability and regulatory approval. Riverty ensures that all transactions adhere to BaFin regulations, GDPR standards, and industry best practices, providing maximum legal security for businesses.
A well-managed debt sale should maintain customer trust and protect brand reputation. Choosing a buyer that prioritizes ethical collections and compliance ensures a positive experience for all stakeholders. Riverty follows a customer-first approach, combining AI-driven processes with human expertise to support fair and transparent debt resolution.
Once sold, receivables are fully transferred to the buyer, who assumes responsibility for collection, processing, and compliance. A structured approach ensures efficiency and transparency. Riverty provides detailed reporting upon request, keeping businesses informed on the status of transferred claims.
Yes. Regulatory compliance and risk mitigation are key to any debt sale. Riverty ensures BaFin-approved, GDPR-compliant, and fully auditable transactions, integrating seamlessly into your compliance framework. Our processes provide maximum legal security while maintaining full transparency at every stage.
Debt sales require expertise in local legal frameworks and international compliance. Working with a trusted partner ensures efficient, risk-free cross-border receivable management. Riverty purchases receivables nationally and internationally, handling the legal complexities while ensuring a seamless and profitable process for businesses.