Alternative Lending Debt Collection — recover non-bank lending portfolios with precision.
MCA, factoring, online business lending — alternative lending portfolios have distinctive collateral, contract, and ACH dynamics. Altus has the systems and counsel to handle all of them.
How we approach Alternative Lending
Alternative Lending recovery, by specialists who know the business.
Alternative lending portfolios — merchant cash advances, factoring receivables, online business loans, equipment finance, FinTech credit — carry sophisticated contracts and specific recovery dynamics. UCC perfection, ACH revocation behavior, secured creditor priority, and confession-of-judgment enforcement vary by state. Altus has been the recovery partner for major MCA shops, factors, and FinTech lenders for over a decade.
Recovery challenges
What makes Alternative Lending different.
UCC priority disputes
Multi-position MCA stacks require careful UCC analysis and inter-creditor work.
ACH revocation
Borrowers frequently revoke ACH authorization — we work with treasury teams to manage the operational fallout.
Judgment enforcement
COJ enforcement varies dramatically by state. Our counsel network covers every jurisdiction.
Portfolio scale
Alt-lending portfolios run thousands of accounts. Our platform onboards at scale.
Recovery profile
Benchmarked performance for Alternative Lending.
Recovery economics vary by vertical. Here's how the Alternative Lending desk performs against the metrics that matter.
- Alternative Lending desk
- Average of all 13 Altus industry desks
Desk scorecard
Alternative Lending
- Average days to recovery
- 41days
Range across desks: 33–72 daysAll-desk average: 49 days
- Recovery complexity
- High (4 of 5)
- Compliance layer
- UCC
- SOC 2
- PCI
Services for Alternative Lending
The Altus services we deploy in this vertical.
Each engagement combines these services based on portfolio characteristics, account age, and your operational needs.
Questions
Alternative Lending FAQ
Yes. We routinely work MCA portfolios with second-, third-, and fourth-position stacks. Our pre-suit work includes UCC searches, lien priority analysis, and inter-creditor coordination.
Ready?
Put a Alternative Lending specialist on your accounts.
Talk to a specialist who knows alternative lending recovery — or place an account in under two minutes.