JEFFERY HARTMAN • PERSONAL SITE & DIRECT DEAL DESK

Entrepreneur, Builder & Deal Maker in Debt and Receivables

I’m Jeffery Hartman—an entrepreneur, builder, and deal maker. From a first-pass portfolio view through diligence and execution, I help lenders, buyers, and operators decide what to do next across debt buying, accounts receivable, collections, and portfolio transactions.

Since 2008, I’ve helped build businesses, systems, and technology projects in markets I know firsthand. Known in the industry as “The Don of Debt,” I work with developers and AI tools on practical workflows.

This $100B+ figure is cumulative transaction volume from deals I advised on, structured, or closed since 2008.

Discuss a Portfolio or Transaction • Browse the Market Briefings • Model a Portfolio Recovery Range

How I Turn Market Problems Into Business Systems

I start with the decision someone needs to make and the problem behind it. I look at the evidence, economics, data, and workflow before deciding what to build. Then I test the smallest useful change, measure what happens, and decide whether to scale, revise, or stop.

I stay interested in building. If a product works, I want to keep improving it. If it doesn’t, I’m willing to redirect time and capital. The discipline is keeping new ideas from outrunning focus.

Frameworks I Use to Test Business Decisions

I apply Jobs to Be Done and business-model fit to practical decisions in debt and receivables. These briefings explain how I use customer context, evidence, and operating economics before deciding what to build:

Software Projects & Decision-Support Tools

These tools and projects address practical decisions around portfolio value, collection economics, and financial data:

  • Debt Catalyst™ — Portfolio Valuation Software Project

    A software project focused on portfolio-level valuation and due diligence, using discounted-cash-flow analysis and supporting data to compare assumptions. Read the Debt Catalyst Technical Briefing.

  • BankWatch Pro™ — Bank Data Software Project

    A separate project for organizing public FDIC call-report information into useful risk and peer-comparison views. Read the BankWatch Pro Briefing.

  • CU Watch Pro — Credit Union Data Software Project

    A distinct project for organizing public NCUA call-report information and supporting peer comparisons. Explore Credit Union Risk Analysis.

  • Interactive Portfolio Recovery Valuation Tool

    When deciding whether to bid, sell, or hold, compare how asset class, age, documentation, and geography shape a directional range—and identify what needs closer diligence. This is a first-pass planning aid, not a pricing opinion or guarantee. Model a portfolio range.

  • Agency Efficiency & Cost-to-Collect Audit Tool

    Evaluate collection agency fee structures, operating cost-to-collect ratios, and net recovery yield against institutional industry benchmarks. Launch the Agency Efficiency Tool.

Who I Work With: Lenders, Buyers & Market Operators

I work with banks, credit unions, fintech lenders, debt buyers, and collection operators when they need to decide how to value, buy, sell, or work a portfolio—or improve the systems behind it:

  • Regional & Community Banks: Eliminating non-performing loan overhang, satisfying regulator mandates, and generating immediate vault cash.
  • Credit Unions: Working through auto-loan charge-offs, unsecured delinquencies, and member-focused recovery decisions.
  • Fintech Lenders & Specialty Finance: Structuring programmatic forward-flow agreements to stabilize balance sheets and unlock institutional warehouse lines.
  • Institutional Debt Buyers & AMCs: Sourcing clean, pre-underwritten debt files backed by verified documentation and chain of title.

Three Ways to Work Together: Transactions, Systems & Strategy

  1. Debt and Receivables Transactions

    Work through portfolio positioning, buyer fit, diligence, and confidential transaction execution with the appropriate counterparties.

  2. Business Systems and Technology Projects

    Shape product logic, data relationships, and operating workflows for financial-market tools, working with developers and operators to move from requirements to implementation.

  3. Growth, Operations and Exit Strategy

    Consider the economics, systems, and transaction options involved in business growth, collection-agency operations, or a potential exit.

Discuss a business, system, or portfolio decision →