Portfolio BUYER

There are no upfront fees. We are only paid if we successfully broker the sale of your residual stream or enterprise. When successful, we are paid 3% of the sale price of your residual income for portfolios that earn $10,000/mo or more and 5% for portfolios earning less than $10,000/mo.

When buyers evaluate a merchant portfolio, they look closely at six core factors to determine its risk profile and standard residual multiple:Portfolio Size & Thresholds: Larger portfolios generally command higher multiples due to buyer demand and deal fixed costs. Reaching monthly residual milestones—such as $2,500, $10,000, or $50,000+—opens the deal up to a wider pool of prospective buyers.Account Age & Processing History: A established history of processing demonstrates account stability, lowering perceived risk and reassuring buyers about future revenue security.Industry & Account Diversity: Portfolios balanced across multiple Merchant Category Codes (MCCs) protect against vertical-specific downturns. Avoid heavy revenue concentration in just a few top merchants.Pricing Models & Margin Health: Fairly priced accounts with reasonable basis point spreads retain value better. Buyers analyze your distribution across interchange-plus, flat rate, cash discount, and surcharging, as overly aggressive pricing often leads to high churn.Attrition Rates: Low historical merchant churn directly correlates with higher offers. Buyers seek predictable retention and smooth contract transferability post-sale.Average Monthly Residuals: Buyers evaluate 12 to 24 months of residual statements to verify clean baseline earnings and analyze revenue volatility.How should I prepare my merchant portfolio before selling?If you plan to sell your processing book of business in the near term, take these three critical prep steps to maximize your payout:Eliminate Negative Residuals: Audit your portfolio and repricing structure to ensure every active account yields positive net revenue regardless of volume.Define Your Exit Strategy: Clarify whether you want a full cash exit, an ongoing servicing role, or freedom from a specific ISO agreement.Organize Financial Documentation: Gather at least 12 to 24 months of complete residual statements, along with all active ISO and agent contracts, to streamline buyer due diligence.

We work with buyers looking for portfolios from all processors.

Your past twelve months complete residual reports and a copy of your current ISO Agreement will provide us with enough information to perform an initial evaluation and present an offer to you.

It usually takes 2-5 business days to perform an analysis and present you with an offer.

Most ISO Agreements afford the Processor a right of first refusal to purchase the portfolio. Upon execution of an Offer, you would present the Offer to the Processor for approval. The Processor has a period of time (usually thirty days), to either approve the offer or purchase the portfolio themselves. If the Processor agrees to the sale, we will continue with our due diligence process and begin to prepare the remaining closing documents.

In very few cases our buyers will perform a lien search and background check on the business and on the principal(s). They will also review the past two years federal tax returns on either/or the business and principal(s). If you have Sales Agents, we will review copies of Agreements between you and the Agents, including any documents outlining potential buyout of the Agent's residuals.

Depends on the buyer, but some closing documents include: an Asset Purchase Agreement, Bill of Sale, Personal Guarantee, and Non-Solicitation Agreement. The remaining document, an Assignment of Residuals Agreement, is usually provided by the ISO/Processor. Once all of those documents are fully executed, Our buyer will wire the funds to your designated bank account.

Each transaction is different, however, most transaction are closed within thirty days of approval from the ISO/Processor. We have closed transactions in as few as ten days and have had others take two months. It all depends on the characteristics of the deal.

Most of our buyers have an existing relationship with your processor. Your merchants will definitely remain on the same processing platform and with the same ISO/Processor.

There are no upfront fees. We are only paid if we successfully broker the sale of your residual stream or enterprise. When successful, we are paid 3% for portfolios generating $10,000 or greater and 5% for portfolios making less than $10,000.