About Us

TBF is the Leading Commercial Debt Buyer Behind Proven Client Success

Who we are

We are Innovators

TBF Financial was founded in 1998 because our principals believed they could buy charged-off equipment leases at a price that would be attractive to sellers and provide TBF with a margin of profit. They succeeded, and a new industry was born: commercial debt buying of equipment leases.

Our company is the leading purchaser of non-performing equipment leases, commercial bank loans, online small business loans, merchant cash advances and commercial credit card accounts in the United States.

TBF is the leading purchaser of non-performing equipment leases, commercial bank loans, online small business loans, merchant cash advances and commercial credit card accounts in the United States.

Added Insurance

What happens after selling debt to TBF? We work diplomatically with debtors, without involving collection agencies. When debtors fail to respond, the claim is subject to litigation and a judge provides a fair, unbiased determination of liability. We also never resell debt ─ so you can buy back an account later if the need arises.

Competitive Prices

All offers are powered by TBF’s proprietary Data Driven, True Market Pricing algorithm. This provides sellers the most aggressive pricing possible given the fair market value of the assets. What’s more, TBF, unlike some other buyers, always delivers payments to sellers, on time and as promised.

Easy Process

We ask for basic information on the pool of accounts you are selling, evaluate those accounts, make an offer, and wire payment after your company signs the purchase agreement. It’s fast and simple.

Seller Benefits

The No. 1 reason finance companies sell non-performing accounts to TBF is to earn immediate cash at closing. This is a powerful benefit, but commercial debt selling offers other advantages, too. It frees up internal staff to focus on accounts that are earlier in the past-due cycle and more likely to be recovered.

Transforming Debt

At TBF Financial, we buy pools of non-performing commercial accounts of any size, up to 4 years old from the date of last payment, from online small business lenders, banks, equipment finance companies and merchant cash-advance businesses.