Commercial Distressed and Non-Performing Debt Acquisition
A Smarter Exit for Non-Performing Commercial Receivables.
Paper Assets Group, LLC acquires distressed and non-performing commercial accounts receivable portfolios across a range of industries, providing sellers with a straightforward path to monetize non-performing assets.
Protecting the seller’s reputation is our top priority.
- Passive Debt Buyers Since 2017
- Commercial Receivables
- Multiple Industry Verticals
- Portfolio Acquisitions
- Nationwide Opportunities
Why Creditors and Agencies Work With Us
Turning Distressed and Non-Performing Commercial Receivables Into Immediate Value.
Paper Assets Group, LLC provides credit issuers, commercial creditors, and collection agencies with a trusted, reputation-focused alternative for selling distressed and non-performing commercial receivables.
Portfolio sales are frequently evaluated on expected recovery returns alone. Paper Assets Group, LLC takes a broader view, purchasing distressed and non-performing commercial debt directly from credit issuers with a commitment to protecting their brand, business relationships, and long-term reputation.
Through a disciplined acquisition process and a network of independent third-party collection agencies, Paper Assets Group, LLC helps creditors convert non-performing receivables into cash proceeds, reduce ongoing recovery expense, and free internal resources.
The result is a strategic disposition option that balances financial recovery with responsible portfolio management and brand protection — for both creditors and the agencies that represent them.
Are you a collection agency? See how a referral can give your client a solution instead of a returned account.
Cash Proceeds
A completed purchase converts distressed and non-performing receivables into cash proceeds rather than uncertain future recovery.
Reduced Recovery Expense
Selling a portfolio may reduce the ongoing internal and external cost of managing aged commercial accounts.
Reputation Protection
Placement decisions consider account characteristics and the seller’s business relationships, with collection activity performed by independent third-party agencies.
How It Fits Together
One Relationship Serving Creditors and Agencies
Creditors & Lenders
Receive cash proceeds and cleaner books.
Paper Assets Group, LLC
Acquires portfolios.
Collection Agencies
Offer clients a solution and may earn a broker fee.
Every portfolio is different. Any purchase is subject to review, due diligence, and final approval. Paper Assets Group, LLC does not directly perform debt collection activities.
Who We Are
Turning Non-Performing Commercial Receivables Into Opportunity.
Paper Assets Group, LLC has been a passive commercial debt buyer since 2017, focused on acquiring distressed and non-performing commercial accounts receivable portfolios.
We work with businesses and commercial creditors seeking an alternative to continuing to carry aging or defaulted receivables on their books.
Our goal is simple: provide sellers with a professional, straightforward process for evaluating and purchasing commercial debt portfolios.
Industries, commercial lending practices, and the laws that touch business receivables continually change. We stay current on those issues through industry conferences, webinars, and trainings, so portfolio evaluation reflects present conditions.
After acquisition, accounts may be placed with experienced independent third-party collection agencies within our network. Paper Assets Group, LLC does not directly perform debt collection activities.
Straightforward
A clear process from initial portfolio review through acquisition.
Commercial Focus
Focused on business-to-business and other commercial receivables.
Relationship Driven
Professional communication and long-term relationships with sellers and industry partners.
Portfolio Acquisitions
Commercial Non-Performing Accounts Receivable
We evaluate commercial debt portfolios across a range of industries, account ages, balances, and portfolio sizes.
Construction & Trades
Transportation & Logistics
Manufacturing
Wholesale & Distribution
Equipment & Services
Commercial Services
Professional Services
Business-to-Business Receivables
Equipment Leases & Secured Financing
Business Lines of Credit
Commercial Promissory Notes
Post-Judgment Business Claims
Merchant Cash Advance (MCA)
Deficiency Balances
Other commercial asset classes considered on a case-by-case basis.
Have a portfolio that doesn’t fit neatly into one category?
Let’s Discuss Your PortfolioOur Process
A Straightforward Path From Portfolio to Purchase.
- 01
Submit
Provide basic information about the commercial receivables or portfolio you are considering selling.
- 02
Review
Our team reviews available portfolio data, documentation, account characteristics, and other relevant information.
- 03
Evaluate
We review the portfolio information and, where appropriate, present a purchase offer.
- 04
Acquire
For portfolios we elect to purchase, transaction terms and documentation are finalized and the assets are transferred pursuant to the applicable agreement.
Every portfolio is different. Submission of a portfolio does not guarantee an offer or purchase.
Post-Acquisition Account Management
A Network Approach to Commercial Collections.
Paper Assets Group, LLC is a passive debt buyer. We do not directly perform collection activities.
Following acquisition, accounts may be placed with independent third-party collection agencies selected from our network based on factors such as account characteristics, industry experience, jurisdiction, and other considerations.
Our network model allows acquired portfolios to be placed with third-party professionals appropriate for the characteristics of the accounts.
Independent Agencies
Accounts may be assigned to independent third-party collection agencies.
Commercial Experience
Agency selection may consider commercial collection experience and portfolio characteristics.
Account-Based Placement
Placement decisions may consider account type, jurisdiction, balance, documentation, and other relevant factors.
Important
Paper Assets Group, LLC does not directly engage in debt collection activities. Collection activity, when applicable, is performed by independent third-party collection agencies subject to their own licensing, compliance obligations, policies, procedures, and applicable law.
For Collection Agencies
Offer Your Clients a Solution, Not Another Returned Account.
Commercial collection agencies sometimes reach the end of what further placement efforts can accomplish on certain accounts. When accounts are ready to be returned, the agency is often left without a constructive next step to offer the client.
Paper Assets Group, LLC provides an alternative. Rather than simply returning uncollectible accounts, agencies can present the sale of distressed and non-performing commercial receivables as a solution for their clients. When a referred portfolio is acquired, the referring agency may receive a broker fee on the acquired portfolio.
Agencies remain independent third parties. Paper Assets Group, LLC does not directly perform debt collection activities.
A Client Solution
Instead of returning accounts that could not be collected, agencies can propose the sale of distressed and non-performing commercial receivables as an option for their clients.
Broker Fee Opportunity
When a referred portfolio is acquired by Paper Assets Group, LLC, the referring agency may receive a broker fee, subject to the terms of a written agreement.
Independent Partners
Agencies remain independent third parties, responsible for their own licensing, compliance obligations, policies, procedures, and applicable law.
01
Identify the Opportunity
Recognize client accounts or portfolios of distressed and non-performing commercial receivables that are about to be returned.
02
Portfolio Review
Paper Assets Group, LLC reviews the portfolio information and, where appropriate, presents a purchase offer to the client.
03
Closing & Broker Fee
If the portfolio is acquired, the client receives the purchase price and the referring agency may receive a broker fee under its written agreement.
Have an account or portfolio your agency is about to return?
Contact Us About a ReferralBroker fee arrangements are subject to a written agreement, review, due diligence, applicable law, and final approval. Submission of a referral does not guarantee an offer or purchase.
For Portfolio Sellers
When Carrying Non-Performing Receivables No Longer Makes Sense.
Commercial receivables can remain on the books long after normal internal collection efforts have ended.
Selling non-performing receivables may provide an alternative to continuing to internally manage aging accounts.
Potential reasons a company may explore a portfolio sale include:
- Monetizing non-performing assets
- Reducing internal administrative burden
- Cleaning up aging receivable portfolios
- Reallocating internal resources
- Establishing a defined exit for certain defaulted accounts
Whether a sale is appropriate depends on the seller’s individual circumstances. Paper Assets Group, LLC does not provide accounting, tax, legal, or financial advice.
Illustrative Only
The Value of Aging Paper and the Sale Window
Commercial receivables are not static assets. As accounts age, documentation becomes harder to locate, businesses change, and time-based legal limits may apply. Evaluating a sale after internal efforts end, rather than after accounts have aged further, may help preserve value. This chart is a general illustration, not a prediction for any portfolio.
Side by Side
Continue Holding vs. Portfolio Sale
| Consideration | Hold & Continue Recovery | Sell to Paper Assets Group, LLC |
|---|---|---|
| Balance sheet | Aging accounts remain on the books | Accounts can be removed upon sale |
| Cash | Proceeds uncertain and delayed | Purchase price paid at closing |
| Internal resources | Ongoing tracking and management | Staff can refocus on core business |
| Ongoing administration | Seller continues to monitor accounts | Purchaser assumes ownership of acquired accounts |
| Reputation | Depends on each placement decision | Reputation-focused handling is a stated priority |
Swipe the table sideways to see all three columns.
General comparison only. Results depend on the terms of each purchase agreement and the seller’s circumstances.
Contact Us
Let’s Talk About Your Commercial Receivables.
Have distressed and non-performing commercial accounts receivable you are considering selling? Call or email us to discuss your accounts.
Our Approach
Built Around Professional Relationships.
Commercial debt transactions require trust, clear communication, and thoughtful evaluation.
Paper Assets Group, LLC is focused on building long-term relationships with businesses, portfolio sellers, industry professionals, and independent collection partners.
We believe transactions should be straightforward, expectations should be clear, and communication should remain professional from the first conversation through closing.
Have Commercial Receivables You’re Ready to Discuss?
Start with a confidential conversation about your portfolio.