Commercial Lenders: Sell Your Defaulted Loan Judgment
Your borrower defaulted. You got the judgment. Collection has stalled. We buy California commercial loan judgments — $10,000 and up.
$10,000 minimum · Commercial judgments · California superior court
Commercial loan judgment collection
Commercial lenders — banks, credit unions, private lenders, hard money lenders — regularly obtain judgments on defaulted business loans and lines of credit. The challenge is that the same business conditions that caused the default often make enforcement difficult.
We evaluate commercial loan judgments on the debtor’s current financial picture, not on the circumstances of the default. A borrower who defaulted two years ago may have rebuilt — or may have assets we can identify that weren’t there before.
What qualifies
We evaluate California commercial judgments in this category including:
- Business loan defaults — Judgment on a defaulted commercial term loan or revolving line of credit.
- SBA loan deficiency judgments — After liquidation of collateral, judgment entered for the remaining deficiency balance.
- Personal guaranty enforcement — Business principal personally guaranteed the loan; judgment runs against the individual guarantor.
- Equipment finance defaults — Judgment on a defaulted equipment loan or finance lease after collateral recovery.
- Merchant cash advance judgments — Judgment entered on a defaulted MCA agreement.
Minimum face value: $10,000. California superior court commercial judgments only.
FAQ
The original collateral was already liquidated. Is there anything left to collect on?
If a deficiency judgment was entered after collateral liquidation, we evaluate based on the debtor’s current assets — real property, new business activity, wages. The deficiency balance is what we’re purchasing.
The loan had a personal guarantee but we only have a judgment against the business entity. Can you help?
If the guarantor wasn’t named on the judgment, enforcement against them individually is more complex. Tell us the exact structure of the judgment and we’ll assess what’s available.
We’re a portfolio lender with multiple judgments. Do you do bulk purchases?
We evaluate judgments individually. If you have a portfolio of related judgments you’d like us to review, submit them and we’ll discuss how to approach it.
Get your commercial loan judgment evaluated
Commercial loan or credit default judgment, $10,000 or more? Free evaluation, one business day response.