Services

Competitive pricing. Proven reliability. Fast response. Swift payments.

Our services

Immediate Cash for Commercial Charge-Offs

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.

Trusted Commercial Debt Buyer

we buy
What We Buy

Non-performing commercial accounts, up to four years old from the date of last payment, from online small business lenders, banks, equipment finance companies and merchant cash advance businesses. We purchase loans, cash advances, equipment leases, lines of credit and commercial credit card accounts that have personal guarantees, no personal guarantees, are secured, unsecured, pre-agency, post-agency, pre-litigation and/or reduced to judgment.

You Sell
Industries

Sell non-performing products meeting your own criteria, whether by vintage, geography, quality, balance and/or pool size. Or, you may decide to sell all charge-offs. We will work with you in a single engagement or multiple engagements, but many sellers choose to establish a forward-flow relationship where they regularly sell us non-performing nationwide products at a pre-approved price.

success stories
Success Stories

Competitive pricing. Proven reliability. Fast response. Swift payments. These are just a few of the strengths that customers mention when talking about their experiences selling commercial debt to TBF.

New to commercial debt selling?

If you are with an equipment finance company, bank, online commercial lender or merchant cash-advance business, CEO and Founder Brett Boehm and the entire TBF team are ready to answer your questions and get you started. We will provide a free, no-obligation price estimate on the pool of assets you are considering selling.
Why Choose Us

Maximizing Recovery, Simplifying Solutions

TBF Financial leads in commercial debt buying with a fast, straightforward process—providing evaluations, competitive offers, and quick payments, often within 24 hours. Our aggressive pricing and focus on long-term relationships ensure you gain immediate cash flow while your team focuses on higher-priority collections. Partner with TBF for a future-proof approach to managing charge-offs.
We Are Innovators

TBF Financial, a pioneer in commercial debt buying, uses innovative strategies to help fintech lenders and banks recover value from loan and lease charge-offs.

Quick & Easy

TBF offers a fast and simple process, evaluating assets and wiring payments quickly, with established relationships enabling payments within 24 hours.

Aggressive Pricing

Our pricing is competitive and flexible, thanks to TBF’s Data Driven, True Market Pricing algorithm and goal of establishing a long-term relationship with you.

Major Benefits

Selling charge-offs to TBF provides immediate cash, allowing your team to focus on more recoverable past-due accounts and plan for future defaults.