Garnet Capital Advisors

What Garnet Capital Advisors does

Garnet Capital Advisors, LLC is a US-based, privately held loan sale advisory firm founded in 2004 by Lou DiPalma and headquartered in Harrison, New York. The firm operates as an intermediary connecting institutional sellers of loan portfolios — including banks, credit unions, fintech and specialty finance companies, and federal regulators (FDIC, NCUA, SBA) — with a network of more than 20,000 market participants and 1,000+ NDA-signed institutional buyers. Garnet has closed over 2,200 transactions representing more than $154 billion in loan sales over its 20+ year history, including 230 transactions and approximately $7.6 billion in aggregate principal balance in 2025 alone.

Garnet delivers three core services: Loan Portfolio Sales (brokered via a web-based platform supporting sealed-bid, open-bid, and Dutch auction formats, complemented by partner-level executive engagement on every transaction), Capital Markets advisory (financing-versus-asset-sale decision support), and Valuation Services (pre-sale and acquisition pricing, FDIC loss share valuations, merger loan review). The firm covers five asset categories — commercial loans, consumer loans, residential loans, charge-offs, and bankruptcies — and holds compliance credentials aligned with SOC 2 Type II, PCI-DSS, and ISO 27002, along with RMAi Certified Broker status since 2005. Garnet has been vetted by the FDIC and NCUA for compliance and data security, and its proprietary security infrastructure is built to handle regulated financial data.

Garnet monetizes through a competitive, success-based fee structure aligned with transaction size and complexity, generating the majority of revenue from transaction fees on loan portfolio sales supplemented by valuation and capital markets advisory engagements. The firm operates a sales-led, partner-driven go-to-market model with regional offices across the United States and a direct relationship-management approach targeting depository institutions, government agencies, fintechs, specialty finance companies, and institutional investors. A repeat-buyer base and multi-decade mandate relationships, including flow sellers with over 100 closings, characterize the customer base.

Name

Garnet Capital Advisors

Legal name

Garnet Capital Advisors, LLC

Website

https://garnetcapital.com

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

11–50 employees

Short description

Garnet Capital Advisors is a US-based loan sale advisory firm that brokers loan portfolio transactions between institutional sellers (banks, credit unions, fintechs, government agencies) and 1,000+ NDA-signed institutional buyers. Founded in 2004, it has closed over 2,200 transactions representing more than $154 billion in cumulative loan sales.

Ownership category

akta.pro rank

Product category

Loan Sale Advisory Services

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163)

akta.pro primary industry

Corporate Finance & Capital Advisory (BPAHADAB)

akta.pro secondary industry

Capital Markets Advisory (IPO Readiness, SPAC, ECM/DCM Advisory) (BPAHAOAL)

Keywords

• Loan portfolio sales
• Loan sale advisory
• Capital markets advisory
• Portfolio valuation services
• Loan sale brokerage

Headquarters

HQ city

Harrison

HQ country

United States

HQ region

North America

Offices11 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Loan Sale Advisory Fees: Garnet uses a competitive, success-based fee structure aligned with transaction size and complexity. Fees are designed to be in line with other market options while providing a substantially higher level of service. The additional value created or preserved by using Garnet typically exceeds the cost of the advisory fee.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Garnet Capital Advisors is a loan sale intermediary and advisory firm that designs and executes loan portfolio sales for institutional sellers, manages competitive auctions on its proprietary platform, and provides pre-sale and acquisition valuation services. The firm connects loan portfolio sellers (banks, credit unions, fintechs, government agencies) with a network of more than 20,000 market participants and 1,000+ institutional buyers, supporting sealed-bid, open-bid, and Dutch auction formats across consumer, commercial, and residential loan assets.

Product overview

Garnet Capital Advisors is a specialized loan sale advisory firm operating as a single unified platform rather than a modular system. The company offers three core service lines—Loan Portfolio Sales, Capital Markets, and Valuation Services—alongside five primary asset type categories (Commercial Loans, Consumer Loans, Residential Loans, Charge-Offs, and Bankruptcies) and three government-focused services (FDIC, NCUA, and SBA). All services are delivered through a custom-designed process for each transaction, with partner-level executive oversight and comprehensive documentation. The platform is backed by SOC 2 Type II and PCI-DSS certifications and is designed for institutional sellers including banks, credit unions, fintechs, government agencies, and institutional investors.

Differentiator

Problem solved

Functional benefit

Products and services

• Loan Portfolio Sales Garnet's primary service facilitating the sale of loan portfolios including consumer, commercial, and residential loans, with emphasis on maximum transparency, industry-leading security certifications, and a nearly perfect closing record. The service covers sealed-bid, open-bid, and Dutch auction formats via Garnet's proprietary platform.
• Capital Markets Advisory Advisory service that guides clients through the financing versus asset sale decision, helping determine the optimal path to achieve capital raising goals based on assets, company profile, and market conditions.
• Valuation Services Comprehensive pre-sale and acquisition pricing services for government agencies and private clients, providing secondary market price estimates for commercial real estate, C&I, residential, and consumer loans. Includes FDIC Loss Share Valuations and Case Advisories, loan review, and credit risk analysis for merger transactions.
• Commercial Loan Portfolio Sales Sale of commercial loan portfolios including business loans, equipment leases, commercial real estate loans (multifamily, office, industrial, hotel, retail), acquisition and development loans, and agricultural loans.
• Consumer Loan Portfolio Sales Sale of consumer loan portfolios including credit card portfolios, fintech loans, secured and unsecured consumer loans, consumer auto loans and leases, durable goods loans, and point of sale/BNPL loans.
• Residential Loan Portfolio Sales Sale of residential loan portfolios including first-lien and second-lien mortgages, home equity loans and HELOCs, reperforming loans, non-performing loans (NPLs), and Non-QM mortgages.
• Charge-Off Loan Portfolio Sales Sale of charged-off loan portfolios with compliance-focused processes across auto, student, credit card, and unsecured consumer segments.
• Bankruptcy Loan Portfolio Sales Chapter 13 bankruptcy loan sales that afford lenders high prices with little customer friction, with expertise in file vetting and compliance-focused servicing operations maximizing pricing for bankruptcy portfolios.
• FDIC Sales & Valuations Specialized services for Federal Deposit Insurance Corporation (FDIC) loan portfolio sales and valuations, including FDIC Loss Share Valuations and Case Advisories for commercial mortgages.
• NCUA Sales & Valuations Specialized services for National Credit Union Administration (NCUA) loan portfolio sales and valuations, including HELOC sale and other credit union portfolio sales.
• SBA Sales Small Business Administration loan portfolio sales services.

Quantifiable outcome

• 230 loan sale transactions closed in 2025 with approximately $7.6 billion in aggregate principal balance
• +4 more outcomes

Named customers33 records

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

One partnership is on record.

• RMAi (Receivables Management Association International)coreOthersGarnet Capital Advisors is an RMAi Certified Broker (Certification No. P1909-1002) and has been a member since January 12, 2005. Multiple Garnet professionals hold RMAi certifications including the Certified Receivables Compliance Professional (CRCP) designation. Garnet is a frequent sponsor and exhibitor at RMAi events.

Scale indicators21 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Piper Sandler: Piper Sandler operates a major loan sale advisory business serving banks, credit unions, and specialty finance companies across consumer, commercial, and residential asset classes — directly comparable to Garnet's core loan portfolio sale franchise.
• Hilco Global: Hilco Global operates asset valuation and disposition practices including loan portfolio sales, with comparable services for distressed and non-performing loan portfolios across commercial and consumer asset classes.
• Keefe, Bruyette & Woods (KBW): KBW, now part of Stifel Financial, is one of the largest and most established loan sale advisory practices in the US. Garnet's founder Lou DiPalma was a founding member of KBW's loan sales group, making KBW the most direct comparable in terms of business model, client base, and service offering.
• Mortgage Industry Advisory Corporation (MIAC): MIAC is a specialized loan sale advisor and analytics provider focused on mortgage servicing rights (MSR) and residential loan portfolios, directly comparable to Garnet's residential loan sale and portfolio analytics offerings.
• Berkadia: Berkadia is a major intermediary for commercial real estate and multifamily loan sales, with a servicing-driven platform that overlaps with Garnet's commercial loan sale and valuation services for depository institutions.
• Bayshore Capital: Bayshore Capital is a specialized loan sale and securities advisory firm serving community banks, savings institutions, and credit unions, overlapping with Garnet's middle-market institutional client base.

Broad incumbents

• Stout: Stout is a global advisory firm with valuation, forensic, and loan portfolio advisory services, comparable to Garnet's valuation services and special situations advisory though serving a broader range of industries and asset types.
• Ankura Consulting: Ankura provides financial advisory and valuation services including loan portfolio advisory and distressed asset consulting, with a broader services portfolio than Garnet but meaningful overlap in valuation and special situations advisory.
• Crowe LLP: Crowe provides financial advisory and valuation services to banks and credit unions, with overlapping capabilities in loan portfolio valuation and merger advisory though as part of a broader professional services firm.
• Jones Lang LaSalle (JLL) Capital Markets: JLL's Capital Markets division operates commercial real estate loan sale and debt advisory practices, comparable to Garnet's commercial loan sale and FDIC valuation services but as part of a much broader global real estate platform.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/garnetcapital
• LinkedInlinkedin.com/company/garnet-capital-advisors

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles16 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Garnet Capital Advisors