Loan Programs

CMAX Finance has specialty lending programs to assist debt buyers acquire unsecured charge-off accounts, which include credit card, consumer loans, DDA accounts, payday loans, auto, student loans, healthcare receivables, mortgages among others. CMAX Finance does not include back end profit participation to the lender so the borrower retains 100% of the upside.

Standard Loan Program

CMAX Finance lends capital at moderate loan-to-value (LTV) ratios (60-75%) with no back end participation. The traditional loan terms are between 6 to 36 months at competitive interest rates with no back end participation. Loan sizes range from $25K to $2.5M and CMAX Finance loans require a limited personal guarantee to fraud and bankruptcy.

Our extensive debt buying and financing experience, and proprietary loan underwriting platform, enables CMAX Finance to expedite the underwriting process for rapid portfolio evaluations and a quick close.

High LTV Program

CMAX Finance has developed a new loan program that expands upon our traditional loan terms. The High LTV program offers a higher LTV (80-90%), with an upside share to the lender after specified performance benchmarks are met.

This newer High LTV loan program eliminates the need for debt purchasers to tie-up cash funding a deal, allowing our borrowers to acquire larger portfolios with less up-front cash.

Refinance/Recapitalization Program

CMAX Finance has developed a refinance or recapitalization program whereby debt owners can use existing inventory of charge-off accounts as collateral for cash-out purposes to refinance existing lenders, investors, equity partners, or for growth capital/acquisitions.

CMAX Finance Lending History

Lending History

  • Funded over $200M in loans representing $25B face value
  • Loan closed with over 70 different borrowers
  • Completed over 780 loans in last 4 years