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Unlock Liquidity. Offload Risk. Power Growth.
The Strategic Advantage of Performing Loan Sales
Performing loan sales are one of the fastest ways for your financial institution to generate immediate liquidity. Whether you're preparing for M&A, managing regulatory thresholds, or reallocating capital for strategic growth, Legacy Asset Sales helps you monetize your receivables quickly, confidentially, and professionally.
A Legacy You Can Trust. Results You Can Count On.
Legacy Asset Sales is a premier loan brokerage division of Intelligent Net Yield (INY LLC), founded by Paul J. Fiumano, a 38-year veteran and pioneer in the Accounts Receivable Management (ARM) and loan sale industry.
The Legacy Asset Sale team have represented some of the largest names in finance including Ford, Chrysler, Nissan, Santander, Citi, JP Morgan Chase, Verizon, and AT&T. With a track record of facilitating over $100 billion in loan sales, we continue to deliver trusted, confidential, and effective brokerage services.
Our specialized expertise spans across performing and non-performing loan portfolios in consumer, commercial, and real estate sectors. We leverage our extensive network of qualified buyers to maximize value while ensuring smooth, compliant transactions that protect your brand reputation.
What sets us apart is our transparent, consultative approach. We analyze your portfolio, understand your objectives, and develop a customized strategy that aligns with your financial goals and timeline requirements. Our clients benefit from decades of market intelligence and pricing expertise that consistently delivers optimal results.
Why Sell Performing Loan Portfolios?
Risk Mitigation
Reduce exposure to future credit events or macroeconomic shifts.
Capital Optimization
Reallocate capital into core business activities or growth initiatives.
Regulatory Compliance
Meet liquidity and balance sheet ratio targets.
Strategic Exit
Transition out of legacy or discontinued lending verticals.
Whether you're a top-tier national bank or a regional credit union, our tailored services help unlock trapped value from your legacy portfolios.
Comprehensive Asset Classes
Auto & Vehicle
Auto Loans, Equipment Finance, Title Loans
Consumer Credit
Credit Cards, Personal Loans, Lines of Credit
Real Estate
Residential Mortgages, Commercial Real Estate, HELOCs
Education
Student Loans, Education Financing
Commercial
Small Business Loans, Commercial Receivables, Bankruptcy Wind-down
Specialized
Medical & Dental Receivables, Timeshare Loans, Point-of-Sale Financing
Our Tailored Services
Portfolio Analysis
Comprehensive evaluation of your loan assets to determine optimal sale strategies and pricing expectations.
Buyer Matching
Access to our exclusive network of qualified investors specifically interested in your asset classes.
Transaction Management
End-to-end oversight of the sale process, from marketing to due diligence to closing documentation.
Competitive Auctioning
With 25+ years of experience conducting hundreds of competitive loan sales, we maximize portfolio value through our proven auction methodology and extensive qualified buyer network, while ensuring full regulatory compliance.
All services are delivered with strict regulatory compliance protocols and access to our network of vetted, qualified buyers who meet our rigorous due diligence requirements. Our compliance-first approach protects your brand reputation while ensuring optimal transaction outcomes.
Our Comprehensive Services
At Legacy Asset Sales & Services, we deliver end-to-end solutions tailored to your specific portfolio needs. Our services combine industry expertise with innovative approaches to maximize returns.
Core Brokerage Services
Our primary offerings focus on facilitating seamless transactions and providing strategic insights to optimize your portfolio value:
  • Performing Loan Sales
  • Non-Performing Loan Sales
  • Portfolio Valuation & Analytics
  • Buy-Side Representation
  • Loan Sale Readiness Consultation
  • Strategic Risk Management
Each service is delivered with meticulous attention to detail and leverages our extensive market knowledge to achieve optimal outcomes.
Extended ARM Services
Beyond core brokerage, we offer specialized accounts receivable management solutions to enhance operational efficiency and recovery rates:
  • Receivables Strategy Consulting
  • Agency Network Optimization
  • Early & Late Stage Recovery Solutions
  • Data Hygiene & Portfolio Segmentation
  • Digital Collection Enhancements (Vetted AI and SaaS Products and Service)
  • Bankruptcy & Distress Situation Support (From Service to Purchase)
Our extended services help clients navigate complex receivables challenges while maintaining regulatory compliance and improving overall portfolio performance.
With over 75 years of combined industry experience and more than $100 billion in facilitated transactions, our team provides unmatched expertise across all service categories, ensuring your objectives are met with precision and professionalism.
Market Conditions & Why Legacy Is the Right Solution
In today's volatile financial environment, creditors face increasing pressure to optimize balance sheets, manage delinquencies, and comply with evolving regulatory standards. Rising interest rates, tighter credit markets, and shifting consumer behavior have led many institutions to reassess their receivable portfolios.
Experience-Based Strategy
We've navigated every credit cycle over the past 38 years. Our guidance is based on deep market experience—not theory.
Liquidity Solutions
Whether divesting for capital relief or repositioning for growth, we deliver liquidity through sale, structure, or forward flow.
Creditor Advocacy & Buyer Trust
We represent clients with integrity and discretion. Our buyer network trusts every deal we bring to market.
Meet Paul J. Fiumano
With over 38 years in the ARM and asset sales space, Paul J. Fiumano is regarded as a visionary and pioneer in the field. Starting his journey in the 1980s with marquee clients like Nissan and Toyota, Paul went on to found Colex International, managing global A/R operations in over 150 countries.
After selling Colex, Paul directed acquisitions for Bear Stearns affiliate Cavalry Portfolio Services, and later launched StreamLine Consulting, a firm that executed over $100 billion in loan sales. In 2016, Paul launched Legacy Asset Sales as a dedicated division of Intelligent Net Yield (INY LLC) a business consulting firm.
Throughout his distinguished career, Paul has developed a reputation for integrity, transparency, and exceptional client outcomes. He specializes in creating bespoke solutions for complex portfolio challenges across all asset classes, with particular expertise with auto captives, all assets offered by banks, fintech's, credit unions, and student lending.
Paul and his teams hands-on approach and deep industry connections ensure each client receives personalized attention and optimal execution. His transaction experience spans economic cycles from the Savings & Loan crisis through the 2008 financial collapse and the COVID-19 pandemic, providing Legacy Asset Sales & Services with invaluable insight into market dynamics under various conditions.
$100B+
In Closed Transactions
$5B
Largest Loan Portfolio Sale
38+
Years of Experience
Ready to Get Started?
For Creditors
Legacy Asset Sales & Services is your trusted advisor and facilitator. Whether you're looking to sell a one-off portfolios, launch a recurring forward flow sale, exit a specific asset class, or test market interest, our team will guide you from valuation through closing.
For Buyers
Looking to acquire performing or non-performing portfolios? Join our proprietary network of institutional buyers, private funds, family offices, and specialty finance firms to gain access to our deal flow.
Legacy Asset Sales
A division of:
Intelligent Net Yield (INY LLC)
11161 E State Rd 70, Ste 110-528 Lakewood Ranch, FL 34202123 Financial
Phone: (727) 492-5356
Email: info@4legacysales.com
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