For Sellers
Any size sale.
One consistent process.
Sell single loans or portfolios with a structured process designed to reduce friction and support repeatable execution.
For mortgage servicers, banks, credit unions, funds, and institutional sellers looking to move assets efficiently. Whether you're selling individual loans, running portfolio auctions, liquidating inventory, or building forward-flow programs, Paperstac provides the structure.
Seller Challenges We're Built For
The Problem
Scaling inefficiencies
Manual processes and tooling sprawl slow execution and waste time.
Workload bottlenecks
Running multiple deals at once becomes difficult without a repeatable system.
Missed opportunities
Relationship-dependent deal flow and inconsistent execution can limit outcomes.
Our Solution
Maximize liquidity and price discovery
Reach more qualified buyers through a guided, repeatable exposure.
Reduce operational burden
Guided workflows replace ad-hoc processes.
Close with audit-ready execution
Consistent documentation and compliance at every stage.
Sell Individual Loans
Auction performing, non-performing, or re-performing notes and execute through a guided, repeatable transaction flow.
Run Portfolio Auctions
Structure competitive bidding for pools of loans with controlled buyer participation and coordinated diligence.
Inventory Liquidation & Dispositions
Offload aged or underutilized assets through managed sale processes with configurable access and participation rules.
Forward-Flow Programs
Establish recurring sale pipelines with pre-qualified buyers, consistent terms, and repeatable execution frameworks.
Supports larger, more strategic trades and repeat execution.
Seller Workflow
Prepare
Organize key collateral and deal details.
Engage
Support buyer activity through a structured process.
Close
Execute documentation and funds transfer through a consistent workflow.
Bring in third parties — without losing control
Include servicers, legal, and other providers in a deal with role-based access so participation stays scoped, coordinated, and audit-ready.
Pricing Intelligence
Paperstac Price Predictor (PPP)
Sanity-check pricing and assess bid competitiveness using historical Paperstac transaction data.
PPP uses historical Paperstac sale data and Paperstac AI to estimate a fair-value price range for loans being listed or evaluated — similar to how Zestimate works for residential real estate, but purpose-built for the secondary mortgage market. As bids come in and the auction end approaches, that range updates to reflect real-time market demand and competitive pressure.
Both buyers and sellers benefit. For sellers, PPP provides a data-informed starting point for pricing and a live signal as the auction progresses. For buyers, it offers a current reference range to evaluate whether a deal is priced competitively relative to comparable transactions and active bidding behavior on the platform.
Estimate only; not an appraisal or guarantee.
How it works
- 01
Analyzes historical Paperstac closed sale data
- 02
Factors in historical sales, asset characteristics, and live bidding
- 03
Surfaces a fair-value range for pricing guidance
- 04
Continuously updates pricing guidance as the auction evolves
Delivery Models
Seller workflows are available across all three Paperstac delivery models.
Open Access
Member Marketplace
List loans, set your terms, and manage the sale yourself. Free to join with no minimums. Ideal for individual sellers and small-to-mid-market transactions where you want direct control over the process.
- List individual loans or small pools directly
- Receive and manage bids from verified buyers
- Auto-generated PSAs and closing docs
- Built-in messaging and deal tracking
Managed Access
Institutional Marketplace
For sellers running $1M+ portfolio sales, structured auctions, or complex dispositions. The Paperstac Trade Desk manages buyer coordination, diligence oversight, and execution so you can focus on the deal, not the logistics.
- Trade Desk manages deal setup and seller coordination
- Curated exposure to vetted and qualified institutional buyers
- Structured diligence and compliance workflows
- End-to-end execution support through closing
Your Own Marketplace
Managed Marketplaces
Host your own branded marketplace on Paperstac's infrastructure. Control who participates, set your own deal parameters, and run seller programs under your brand with Paperstac handling the platform, security, and Trade Desk execution behind the scenes.
- Your brand, your participant rules
- Configurable deal structures and workflows
Asset Coverage
Supported & Expanding Debt Types
Paperstac supports a growing range of debt instruments across all delivery models. Core asset types are fully supported today, with additional categories expanding through institutional and enterprise programs.
Mortgage Notes
CoreThe foundation of Paperstac's marketplace. Fully supported across all transaction types and delivery models.
- Performing & re-performing loans
- Non-performing loans
- 1st lien and 2nd lien positions
- Residential and small commercial
- Seller-financed & contract-for-deed
Business Debt
ExpandingGrowing support for business and commercial debt instruments through institutional programs and platform expansion.
- SBA loans & government-guaranteed
- Commercial real estate debt
- Equipment & asset-backed lending
- Business lines of credit
Private Financing
Select ProgramsAvailable through curated institutional programs for qualified participants with specific origination or acquisition needs.
- Private mortgage originations
- Hard money & bridge loans
- Fix-and-flip & DSCR loans
- Non-QM & alternative credit
Asset type availability varies by marketplace and delivery model. Contact the Trade Desk for questions about specific instruments or expanding programs.
Frequently Asked Questions
Seller FAQ
Common questions about selling on Paperstac.
Ready to Get Started?
Join thousands of participants who trust Paperstac for secure, efficient debt trading.