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White Papers

Garnet White Papers

Garnet professional staff periodically composes industry specific thought and informational pieces. Some of these pieces have been reproduced in industry journals or become the basis for speeches and presentations at conferences and other events. As such, Garnet is a frequently quoted source on whole loan sale topics. A Garnet registration and log-in is generally required to view White Papers.

Small Business Lending: Banks, FinTech, or SBA?

Small businesses have always had a harder time securing financing than their larger brethren, but these challenges have grown even worse in recent years. As economic conditions have improved, fledgling firms have been seeking additional capital to invest and expand. While demand for credit from this sector is growing, many banks are reluctant to provide them the financing they need. Where else can they turn?

Understanding the Evolution of Debt Sales Compliance

The compliance environment for debt sales has evolved significantly over the years. Focusing on several material components provides a framework for understanding these developments, including how information security, government agencies’ debt sales guidelines and the types of debt involved, have progressed.

Due Diligence is Crucial When Considering Loan Sales

Loan sales can significantly benefit banks and other financial institutions, whether these organizations want to bolster their income by buying portfolios or free themselves up to issue more credit by selling them. However, sellers will need to be familiar with the current compliance environment, which is intricate and constantly evolving. Sales that fail to address and successfully navigate this framework of rules and regulations can run into many different problems...