Institutional Sourcing for Whole Commercial Receivables

UBC provides institutional sourcing of whole commercial receivables for buyers in the secondary market. Institutional buyers need two things sourcing platforms rarely deliver together: access to assets that don't surface through retail channels, and the ability to filter those assets against specific buyer parameters before they ever hit a desk.

UBC operates as a technical sourcing and administrative services provider for that exact gap.

Whole positions, direct assignment

Every transaction UBC sources involves the purchase of a specifically identified commercial receivable in its entirety. No fractionals. No syndicated slices. Ownership transfers directly between buyer and seller through absolute assignment under UCC Article 9.

The buyer's name is on the asset. The filing is on public record.

Parameter based identification

Sourcing is filtered against buyer specified criteria. Industry exposure, factor structure, duration, collateral profile. Assets that match the stated requirements are surfaced. Assets that don't are filtered out before they reach the buyer.

This is the inverse of retail sourcing, where buyers wade through a generalized inventory and apply their own filters after the fact.

Wholesale access

Through long standing relationships with established originators, UBC identifies commercial assets that are often unavailable through retail or publicly marketed channels. Buyer anonymity is preserved with originators throughout the administrative process.

Engagement standards

Engagements are restricted to institutional participants and commercial entities transacting in aggregate tranches of $1,000,000 or greater. Buyers must demonstrate independent capability to evaluate commercial asset purchases and make all acquisition decisions independently.

UBC does not service assets, manage collections, or exercise control over buyer funds. Compensation is fixed service fees only, non contingent on asset performance.