Time as the New Capital: Introducing Asset Finding, the Platform That Anticipates the Real Estate Credit Market

We often ask ourselves what the most valuable resource is today. The answer is simple: time. This is not a figure of speech, but the concrete measure of a market that has fundamentally changed its nature. In the non-performing loans sector, arriving first is no longer a competitive advantage—it is the only way to stay in the game.

It is with this vision that Asset Finding was created: a new platform dedicated to investigative intelligence and advanced analysis of off-market transactions in the secured NPL sector. Developed thanks to the specialist expertise and decades-long experience of Davis & Morgan S.p.A.—a financial intermediary pursuant to Article 106 of the Italian Banking Act (TUB)—Asset Finding provides investors and industry professionals with immediate, early access to strategic information on defaulted credit positions secured by real estate.

Through an investigative market intelligence system, Asset Finding makes it possible to identify, monitor, and analyze real estate assets pledged as collateral for non-performing loans before such information is published on judicial auction portals. This is achieved via a sophisticated alert system that highlights both credits already in distress and those very close to entering default.

This tangible advantage allows users to quickly assess the attractiveness of an opportunity, accurately price the required investment, and complete transactions rapidly and securely, supported throughout by Davis & Morgan S.p.A. in a context where every day—and every distraction—can make a decisive difference.

In today’s historical context, the market no longer calls for emergency measures, but for targeted decisions based on solid information and strong analytical capabilities. As explained by Andrea Bertoni, Founder and CEO of Davis & Morgan S.p.A., Asset Finding meets this need through an innovative approach: a data extraction system that digs into the market from the inside out, starting with the property and then tracing back to the non-performing loan. In doing so, it overturns a long-standing protocol that has traditionally placed credit holders at an advantage over potential buyers, who were forced to passively accept their decisions.

The platform combines technological expertise, data analysis, and financial tools to support investors throughout the entire acquisition process. Moreover, thanks to its collaboration with Case Italia, Asset Finding offers advanced training pathways for those approaching the NPL market for the first time, enabling them to operate effectively in an environment where the Secondary Market Directive has completely reshaped the rules of the game—democratizing access to a market in which speed, methodology, and technology now make all the difference.

In this sense, Asset Finding represents the continuation of an entrepreneurial journey and a way of interpreting the market: not as a hunting ground, but as a landscape of opportunities to be read and understood in advance.

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Credit Village

Credit Village is today the meeting and reference point - through its three areas, web, publishing, events - for professionals, managers, entrepreneurs and credit management operators. It was founded in 2002 with the aim of spreading the culture of Credit and Collection Management in Italy.

Credit Village is a leading company in the field of specialized publishing and event organization for the credit management industry and in all issues and aspects related to the NPE market, including ESG , M&A, Real Estate etc. Credit Village has been the first company in Italy to bring the culture of the credit management industry to the press, events and online, creating the largest community in the sector around itself.

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