NPL · Debt Collection
Our NPL expertise
Finrare advises financial institutions, debt funds and specialist investors throughout the full lifecycle of non-performing loans: from portfolio formation through to disposal or collection.
Our approach combines deep technical expertise — scoring, cash flow modelling, legal analysis — and a network of institutional buyers active on French and European markets. We act on both the seller and buyer side.
Beyond the transaction itself, we advise clients on structuring their portfolio strategies, optimising provisions and implementing efficient collection processes.
Structuring, data room, buyer selection, negotiation and closing. We support sellers and buyers at every stage of the disposal process.
Projected cash flow analysis, financial modelling and valuation opinions on loan portfolios (retail, corporate, real estate).
Definition and implementation of debt collection strategies adapted to debtor profiles and profitability targets.
Independent audit of acquisition portfolios: data quality, collateral, historical cash flows and operational risk analysis.
Market context
French banks are accelerating portfolio sales. Transaction volume nearly doubled in one year, from €3.7bn in 2023 to €6.6bn in 2024. Consumer loans dominate (56%), followed by SME (30%) and residential mortgage (13%). France now represents 32% of the European NPL stock.
Transposition of the EU directive on NPL managers and buyers introduces a new ACPR licensing framework. Over 90% of market participants anticipate volume increases over the next 12 months. The main obstacle remains the pricing gap between buyers and sellers — a core area of our value-add.
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