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ACCOUNTS RECEIVABLE
PURCHASING DIVISION

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Value Proposition

FROM COLLECTION PARTNER TO PORTFOLIO PURCHASER

Cedar Financial is a premier financial services company with over 35 years of experience in accounts receivable management. As your trusted third-party collection partner, we understand when accounts reach the legal stage, many clients prefer not to proceed due to brand concerns. Instead of writing off these accounts, our Portfolio Purchasing Division offers you a better alternative.

WHY CLIENTS CHOOSE TO SELL INSTEAD OF WRITING OFF

WHEN LEGAL COLLECTIONS ARE NECESSARY BUT BRAND RISK IS TOO HIGH

Maintain Our “People Putting First” Approach

  • We’ve already worked with your accounts using our respectful collection methods
  • The same careful approach continues even after purchase
  • Your customers experience a seamless transition

Recover Value Instead of Writing Off

  • Convert accounts requiring legal action into immediate cash
  • Avoid the total loss of a write-off
  • Maintain your brand integrity while still recovering value

Legal Actions Under Our Name, Not Yours

  • All necessary litigation proceeds under Cedar Financial
  • Your company name stays out of the court system
  • No association with collection lawsuits in public records

CLEAN HANDS THROUGH FACTORING:
COMPLETE LEGAL SEPARATION

KEY VALUE PROPOSITION: LEGALLY PROTECTED BRAND SEPARATION

Just Like Traditional Factoring

  • Similar to how companies factor their receivables for immediate cash
  • Complete legal transfer of ownership and responsibility
  • Creates definitive separation between your brand and any collection actions

Legally Protected Brand Insulation

  • Courts recognize the sale as a clean break from debt ownership
  • Your company has no legal connection to subsequent collection activities
  • All future actions are solely in Cedar Financial’s name and responsibility

EMPIRICAL EVIDENCE: SELL RATHER THAN COLLECT

VALUE PROPOSITION: GUARANTEED IMMEDIATE RECOVERY VS. DIMINISHING RETURNS

DECLINING RECOVERY RATES AS DEBT AGES

See How Bad Debt Loses Value Over Time

THE CEDAR ADVANTAGE: FROM COLLECTION PARTNER TO PORTFOLIO PURCHASER

We Already Know Your Accounts

  • We’ve already worked with these customers through our amicable collection stage
  • We understand your business and customer relationships
  • Seamless transition with no learning curve

Legal Recovery Without Brand Risk

  • All legal actions under Cedar Financial’s name
  • Your brand remains separate from any litigation
  • Full protection from negative PR

People Putting First Approach – Even After Purchase

  • Same respectful collection philosophy
  • Consistent customer experience
  • Brand-safe practices even in legal recovery

BRAND PROTECTION CASE STUDIES

Real examples of how our clients avoided write-offs while protecting their brands

National Retail Chain

Challenge: Reached legal stage in collections but concerned about brand impact of litigation
Solution: Sold accounts to Cedar Financial instead of writing them off
Results:

  • Transformed potential zero-recovery write-offs into immediate capital
  • Maintained positive brand reputation
  • No negative publicity from lawsuits

Financial Services Provider

Challenge: Customer accounts requiring legal action but PR risks too high
Solution: Portfolio purchase with “People Putting First” approach
Results:

  • Converted “dead capital” into immediate revenue on their books
  • Protected customer relationships for future business
  • Zero brand-damaging exposure in courts

BETTER THAN A WRITE-OFF

VALUE PROPOSITION: IMMEDIATE FINANCIAL BENEFITS

Financial benefits of selling instead of writing off accounts

Immediate Cash Recovery

  • Get paid now for accounts that would otherwise be a total loss
  • Improve quarterly financial results
  • Free up bad debt reserves

Simplified Accounting Treatment

  • Clean closure compared to carrying written-off debt
  • Clear financial reporting benefits
  • Potential tax advantages (consult your tax advisor)

OUR SIMPLE ACQUISITION PROCESS

Turn Your Bad Debt into Immediate Capital

Portfolio Assessment

We evaluate your portfolio and business objectives to maximize value.

Competitive & Fair Offer

Our experts assess recovery potential and provide a market-based purchase proposal.

Hassle-Free Process

Simple documentation and quick funding ensure a seamless transaction.

Ongoing Support

We facilitate a smooth transition with continuous post-sale communication.

BRAND PROTECTION GUARANTEE

When you sell your portfolio to Cedar Financial, we legally commit to:

National Retail Chain

All collection activities occur under Cedar Financial’s name

Communication Controls

Adherence to brand-safe communication standards

Customer Care

Respectful treatment of your former customers

Regulatory Shield

Complete transfer of compliance responsibilities

CONTACT US

We’re here to help you convert your aging receivables into immediate capital. Our team of experienced professionals is ready to discuss your portfolio and provide a tailored solution for your business needs.

Accounts Receivable Purchasing Division

👤 Director: Alex Lerez

📞 Direct: 818-297-7397

📧 Email: alerez@cedarfinancial.com

Our specialized AR Purchasing team provides immediate capital through the purchase of your aging receivables. Contact us for a consultation on how we can help transform potential write-offs into realized value.

Hours: Monday – Friday: 8:30 AM – 5:30 PM PST

Corporate Headquarters

📍 21650 Oxnard St, Suite 1590 Woodland Hills, CA 91367

📞 Main: 800-804-3353

📠 Fax: 818-224-3092

🌐 Website: www.cedarfinancial.com

Hours: Monday – Friday: 8:00 AM – 5:00 PM PST

Client Services

📞 Phone: 800-804-3353 x123

📧 Email: clientservices@cedarfinancial.com

For existing clients seeking updates on their portfolio sales, payment processing, or general account management.

Hours: Monday – Friday: 7:00 AM – 6:00 PM PST

⏱️ All inquiries receive a response within one business day

Request More Information

Complete the form below for a personalized assessment of your receivables portfolio

Your information is confidential and will only be used to respond to your inquiry. A Cedar Financial representative will contact you within one business day.

Expert Insights on Debt Portfolio Liquidation

At Cedar Financial’s Accounts Receivable Purchasing Division, we provide in-depth industry research to help creditors optimize their debt liquidation strategies. Below, access our latest white papers and a comprehensive analysis comparing their key findings.

Access Our White Papers

Realistic Pricing Expectations in Debt Portfolio Liquidation

Understand the key factors influencing debt portfolio pricing and market trends.

Underwriting Practices and Debt Purchase Prices

Learn how underwriting standards impact debt valuation and strategies to enhance pricing.

Comparison of White Papers

Key Takeaways

  • Quality underwriting leads to better pricing.
  • Strategic liquidation planning optimizes financial recovery.
  • Cedar Financial offers structured solutions to maximize ROI.

A TRUSTED PARTNER FOR OVER THREE DECADES

Cedar Financial has built a reputation for integrity and results across the globe. Our portfolio purchasing services are backed by our established position as a leader in the ARM industry, serving thousands of creditors from small businesses to multinational corporations.
With operations in over 150 countries and a commitment to ethical collections, Cedar Financial is uniquely positioned to offer portfolio purchasing solutions that protect your brand while delivering financial results.

CEDAR FINANCIAL

Accounts Receivable Purchasing Division

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