Non-performing loan sale
Premium virtual data room solutions that help organize and present complex portfolio data and manage efficient sell-side processes for distressed debt transactions.
Why work with us on your next non-performing loan transaction?
Sterling's virtual data room platform helps you create a well-organized, professional deal process for NPL sales – structuring thousands of loan files, property records and credit portfolio information so buyers can navigate efficiently while you maintain control over access to sensitive borrower information and competitive process dynamics, preventing "price chipping" by bidders and maximizing valuations.
Our bulk upload handles thousands of loan files, our automated indexing organizes data by loan characteristics buyers care about, and our Q&A management streamlines the question flow that NPL transactions generate. Easily and securely share information with bidders and manage sequential bidding rounds with the transparency that sophisticated distressed debt buyers require.
When you're managing compressed timelines and buyers need to move quickly, our platform and 24/7 support ensures nothing slows down your process.
Create well-organized, professional processes
AI-powered organization structures loan files, property records and servicing data automatically by characteristics buyers evaluate – geography, loan type, collateral type, delinquency status. Automated folder structures create loan-level organization instantly, while bulk upload handles thousands of files efficiently. Professional presentation signals asset quality and enables buyer confidence that supports valuations.
Enable efficient buyer evaluation
Intuitive navigation helps buyers find specific loans or analyze portfolio segments without getting lost in data. Our indexing makes complex information accessible, while our folder structure lets buyers drill down from portfolio level to individual loans systematically. When buyers can evaluate opportunities quickly, you maintain process momentum and competitive tension
Manage sequential bidding rounds
Permission controls let you manage phased access – broad buyer groups see high-level portfolio data initially, shortlisted bidders get detailed loan files after initial bids. Analytics show which buyers focus on specific loan types or geographies, revealing their acquisition strategies and helping you tailor follow-up information. Track bidder activity to understand who's most serious.
Respond quickly to buyer questions
Q&A management organizes technical questions about individual loans, servicing history or collateral characteristics by topic and loan. Ensure your asset managers and servicers provide consistent responses across multiple buyer inquiries. When you're managing tight timelines, our platform keeps question flow organized and our 24/7 support ensures nothing stalls your process.
Prep your deal fast and stay compliant with built-in document review and approval.
Granular information rights management to keep you in control of what you share with bidders — and revoke access immediately.
Simple or advanced Q&A workflows that align to your deal process.
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Our automated redaction tool operates across the whole VDR, saving valuable time and costs preparing sensitive information for external review.
Built-in, automatic, side-by-side translation of VDR content between 300 language pairs keeps your cross-border deals moving.
Real-time dashboards and reports to keep you informed of deal activity and provide strategic intelligence on bidder behavior.
Sterling's unique, built-in AI engine embeds capabilities such as document classification and organization, gap analysis, anomaly detection and document-level Q&A intelligence into the VDR. Launch deals faster – cutting data room prep time from weeks to days – while allowing bidders and investors to complete due diligence more quickly, to close your transaction.
Prep your deal fast and stay compliant with built-in document review and approval.
Granular information rights management to keep you in control of what you share with bidders — and revoke access immediately.
Simple or advanced Q&A workflows that align to your deal process.
Our automated redaction tool operates across the whole VDR, saving valuable time and costs preparing sensitive information for external review.
Built-in, automatic, side-by-side translation of VDR content between 300 language pairs keeps your cross-border deals moving.
Real-time dashboards and reports to keep you informed of deal activity and provide strategic intelligence on bidder behavior.
Sterling's unique, built-in AI engine embeds capabilities such as document classification and organization, gap analysis, anomaly detection and document-level Q&A intelligence into the VDR. Launch deals faster – cutting data room prep time from weeks to days – while allowing bidders and investors to complete due diligence more quickly, to close your transaction.
Specialist multilingual 24/7 support for non-performing loan sales
NPL and other loan portfolio disposals demand tight control over borrower data, granular permissions and careful regulatory compliance. Sterling is built for this complexity, supporting banks, servicers and investors from initial portfolio preparation through bid rounds and final signing.
We help you design data room structures that reflect pool composition and stratification, create intuitive folder and index layouts for tapes, collateral and borrower information, manage bulk uploads and updates, configure highly granular permissions down to segment or asset level, and set up Q&A flows that allow investors to ask detailed questions without compromising confidentiality. Our team also creates and manages bidder groups, and takes care of user invitations and training so new analysts, credit teams and legal advisors can join quickly.
All support is delivered in-house by our multilingual specialists, operating 24/7/365 and available by phone or email, with a dedicated deal manager assigned to each portfolio sale. Unlike others, we never divert "out of hours" or weekend support for sensitive NPL processes to anonymous third-party call centers that are not familiar with your project.
When a sale closes, we deliver encrypted deal archives and comfort letters quickly and globally, preserving a full record of what was disclosed for internal audit, regulators and future transactions.
