The FLOCK Advantage
Welcome to a different way of doing business.
Serving Industries Underserved by Traditional Capital Sources
It is our belief that the buyers of charge-off and below-prime portfolios are uniquely positioned to earn outsized returns for the investor who understands the dynamics of our economy, government regulation and the industry conditions
What is The FLOCK Advantage?
Providing access to capital outside the traditional banking system, FLOCK has the knowledge to mitigate the risks associated with underserved markets and asset classes.
Our expertise allows FLOCK Specialty Finance to fund in areas that traditional capital sources have demonstrated an unwillingness to extend credit. Our proprietary funding solutions are derived from the projected value of the portfolio’s anticipated liquidation over time.
FLOCK vs. Traditional Capital
Terms Developed to Maximize Your Investment Return, Cash Flow and Create Balanced Solutions.
1. Fair Terms
2. Fast Response
3. Flexible Solutions
The FLOCK Advantage
- No corporate or personal guarantees required
- Seasoned team of industry professionals with a proven track record of success
- Higher advance rate requiring smaller equity investment
- Simple structure (no mezzanine layer*)
- Joint venture terms are aligned withthe purchased asset’s performance
- No fixed monthly payment
- Debt buyer receives servicing fees first
- Potential capital gains treatment
- A financing partner that does not take title
- SPV structure unencumbered by balance sheet and is bankruptcy remote
vs. Traditional Capital
- Corporate and personal guarantees typically required
- Low senior advance rates requiring larger equity investment
- Fixed amortization results in rigid dation curve
- Blanket lien may be required that encumbers all corporate assets
- Funds may be controlled by lender
- Mezzanine layer of capital adds additional complexity to the transaction*
How We Maximize Our Customer's Profits:
Provides the Power of Leverage
Increases Equity Returns
Favorable Tax Treatment
Frees Up
Capital
FLOCK Specialty Finance is a proud member of ACA International.
Founded in 1939, ACA International brings together third-party collection agencies, law firms, asset buying companies, creditors and vendor affiliates, representing more than 230,000 industry employees. ACA establishes ethical standards, produces a wide variety of products, services and publications, and articulates the value of the credit and collection industry to businesses, policymakers and consumers.
FLOCK Specialty Finance is a proud member of the Receivables Management Association International.
Receivables Management Association International (formerly DBA International) is the nonprofit trade association that represents more than 550 companies that support the purchase, sale, and collection of performing and nonperforming receivables on the secondary market.
