About Us
Oak Shore Capital invests in pools of charged-off consumer receivables. Investments are focused on underserved and undervalued portfolios within the Installment, Payday and credit card loan segments, as well as specific sub-industries in the automobile, medical and student lending space.
ABOUT OAK SHORE Capital
Oak Shore Capital invests in pools of charged-off consumer receivables. Investments are focused on underserved and undervalued portfolios within the Installment, Payday and credit card loan segments, as well as specific sub-industries in the automobile, medical and student lending space.
All portfolios are acquired exclusively through licensed debt buyers, the majority purchased directly from the originating bank or financial institution. Cash flow from monthly collection efforts are actively managed through a network of licensed collection agencies. Oak Shore oversees teams with extensive industry experience and a successful track record spanning over 200 transactions.
INVESTMENT CRITERIA
The primary investment criteria are portfolios: (a) with active collections lifespans between 18-48 months; (b) that are "front-end loaded”capable of returning 100% of initial capital within the first 10-14 months of collection efforts; and (c) that can meet or exceed both the targeted net liquidation rates and targeted unlevered annual returns.
the opportunity
While undervalued transactions can be found in all economic environments and have lower correlation to traditional investment asset classes, consumer receivables continue to benefit from current economic trends. U.S. consumers continue to pay down debt at historically high levels, while consumer's debt to household income remains at the lowest levels in several decades.