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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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Commercial real estate lending tends to react slower to shifting economics because of long-term leases, but the FDIC suspects that the confluence of economic conditions will soon catch up with banks that have a heavy commercial loan portfolio
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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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As we see delinquency rates returning to pre-pandemic levels combined with troubling inflation, however, loan-buying investors are moving more cautiously.
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