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The church loan buyer market is larger than you may have imagined. This market can be profitable for investors, serve some of their ESG goals, and may attract a lot of buyers. Plenty of investors are looking for places where they can find investments during this period of decreased available products. Some of them are finding it in the church loan market. 
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Banks looking for means to offset losses from regulated interchange fees also should explore debt sales as part of their profit and compliance program. Garnet Capital Advisors can explain how debt sales work, and help your financial institution run a compliant and efficient sales process.
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There is naturally a lot of concern and focus on debtors during an economically turbulent time. One must also ask what creditors intend to do about their own portfolios when things start to get a little shaky. The increased concerns about the economy have meant that many debtors have pulled back on their credit card usage, and most are paying down their current balances. It turns out that this is a unique reaction to an economic shock.
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Lenders with a heavy auto loan portfolio, particularly in the non-prime sector, might look toward selling riskier loans to avoid defaults or selling non-performing loans to ease servicing requirements and accelerate cash flow.
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With deposits in decline, as Americans spend down their remaining stimulus funds, banks are once again faced with finding creative ways to satisfy liquidity requirements. For the majority of banks, that means turning to FHLB (Federal Home Loan Bank) for overnight loans to keep reserve levels adequate when they have less cash on hand. 
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While banks have largely maintained or increased their loan-loss reserves, now also might be a good time to improve the books by selling some distressed loans or those with the potential to falter soon.
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The turning of the consumer credit cycle is here, and as default rates and delinquencies increase, credit card debt could stay high for years.
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