Trusted Partner: Leading Banks, Fintech, & Credit Issuers Served

Jeffery Hartman | Ventures & Infrastructure

Ventures & Infrastructure I Architect

I build systems, platforms, and strategic communities that define the modern receivables and distressed credit ecosystem. Every venture below exists for one purpose: engineering liquidity, visibility, and execution for lenders, investors, and agencies.

2026 Project Roadmap

COFE™ — Charge-Off Forecasting Engine

Feb – April 2026

Phase 1 — Data Modeling (Feb) Define & gather core inputs (DQI, ESI, repayment curves, macro trends). Begin backtesting predictive models.
Phase 2 — Engine Development (Mar) Build the forecasting API. Target 90–95% accuracy using historical charge-off behavior.
Phase 3 — Integration & Alpha (Apr) Integrate with Debt Catalyst™. Begin controlled dataset testing and model validation.

Creditor Control Tower™ — Lender Command Center

May – August 2026

Phase 1 — UX Prototyping (May) Design lender dashboards, risk heatmaps, delinquency segmentation visuals.
Phase 2 — Full-Stack Build (Jun–Jul) Develop frontend dashboards + backend APIs fed by COFE™ and Debt Catalyst™.
Phase 3 — Beta Launch (Aug) Deploy to pilot institutions for feedback, refinement, and final optimization.

Active Ventures

Fitzgerald Advisors™

Director of Portfolio Liquidity

Institutional loan sale advisory for banks, credit unions, investment funds, and insurance companies.

Specialties:

Performing & Non-Performing Whole Loans
Private Mortgage Notes
Confidential, audit-ready NPL liquidation
The Fitzgerald Disposition Protocol™

Debt Catalyst™

Institutional Intelligence

An AI-driven valuation and strategy platform replacing outdated FICO-era models.

Features:

Granular DCF valuation engine
AI Recovery Blueprints
Economic Strength Index (ESI)
Pre-acquisition due diligence tools
Portfolio performance optimization

Bank Watch Pro™

Real-Time Banking Intelligence

Transforms call report data into actionable visibility for FDIC-Regulated Institutions.

Analytics:

NPL trends & Capital stress
Charge-off drift & Portfolio exposures
Peer benchmarking
Regional risk & economic stress indicators

Industry Communities & Governance

Community Bank Leaders

👥 50,000+ Members • Est. 2009

The leading community for community banking, loan performance, and FDIC-driven risk strategy.

Credit Union Leaders

👥 21,000+ Members • Est. 2009

A dedicated risk, lending, and portfolio intelligence ecosystem for CU executives.

Specialized Debt Asset Services

I broker and architect transactions across the full spectrum of receivables:

Direct Deals

Credit Card Debt
Auto, Installment & Title Loans
Commercial & Medical Debt
CRES Notes & Student Loans
BHPH / RTO / BNPL / PnB-Y
Payday & Small-Dollar Loans

Secondary Market

NSF & DDA Accounts
Judgment Portfolios
RTO Credit Cards
BNPL Receivables

Consulting

Compliance Audits
Portfolio Analysis & Valuation
Recovery Strategy Design
Technology Implementation
Team Training & Oversight

Mortgage Note Services: Advisory for buying, selling, and brokering performing, NPL, and re-performing mortgage notes.

Past Ventures & Legacy Roles

Fitzgerald Advisors, LLC

Managing Partner

Architecting complex debt portfolio dispositions.

Bloom Acquisitions

Managing Partner

Commercial & consumer debt acquisition, aggregation, & resale.

NOLA AUTOMATION

Founder & CVO

Omnichannel communication automation platform (SMS, email, voice, bots).

Fitzgerald Equity Partners

Managing Partner

Distressed asset management & NPL investment strategy.

Forbes Finance Council

Official Member

Contributor to national-level financial thought leadership.

Victors Hope Foundation

Board Member

Governance for a medical relief nonprofit.

Capital Concierges

Co-Founder

Alternative-lending advisory for BHPH, RTO, and BNPL operators.

Emerald Shore Capital I LP

Shareholder

Distressed asset investment & capital deployment.

Fitzgerald Debt Acquisitions

President

Oversaw billions in receivables acquisitions & liquidations.

OnSiteAdz LLC

Co-Founder

Digital place-based advertising network; exited successfully.

Smart Binz Corp

Co-Founder

Solar-powered public receptacle advertising platform; board member.

Learn More →

The Creditor's Mandate: The Definitive Doctrines on Portfolio Liquidation