The packaging and sale of performing and non-performing loans provides an immediate and discreet way for a Lender to recover loan balances and exit relationships with Borrowers.

Gray & Associates, LLC conducts loan sales with a consistent structure for file presentation, due diligence review, and bid submission.  Investor groups are assured of a level playing field and a fair, objective review of their bids for approval.  When a loan sale is conducted in a competitive bid venue, the Lender is assured of a commercially reasonable market value sale which will maximize returns.  

Through the use of our well-established processes, Gray & Associates is able to expedite the disposition of assets while reducing resolution costs.  Our strategic market penetration and integrated sales and closing programs have been effectively employed by our client partners to maximize asset recoveries while serving as an adjunct alternative to traditional special asset or workout strategies. These sales have yielded outstanding results to our client partners, and have been recognized by clients and investors alike as models of efficiency and competition.

Gray & Associates has conducted both bulk and individual loan sales for national, regional and local financial institutions. We have successfully executed in excess of fifty bulk loan sales with principal balances up to and in excess of $250 million.  In addition, we have conducted numerous individual loan sales or “one-off” transactions.