Oak Harbor Capital’s competitive edge lies in its people, servicing platform, analytics, and an affiliated national law firm.
Oak Harbor Capital’s legal servicing agreement with an affiliated, nationally preeminent law firm provides Oak Harbor Capital with cost efficient, effective, and expeditious legal services. This legal servicing platform in turn creates unique access to uncorrelated niche opportunities and advantageous legal arbitrage.
Oak Harbor Capital pursues multiple rounds of legal due diligence before and after it acquires assets in order to identify, assess, and mitigate any potential legal issues.
Once assets are purchased, this efficient servicing platform allows claims servicing and legal remediation that has been successfully applied to more than $60 billion of claims over two decades.
Oak Harbor Capital’s comprehensive quantitative valuation approach uses mathematical modeling, which is backed by approximately 30 years of historical performance from more than 13 million purchased accounts and several tens of millions of serviced accounts. This heavy reliance on performance-based metrics allows Oak Harbor Capital to accurately assess new opportunities, better predict returns over time, and remain a consistently disciplined bidder in the marketplace.
Proprietary IT Platform for Security, Accountability, and Transparency
Oak Harbor Capital devotes extraordinary resources to its information technology and security infrastructure, and utilizes proprietary case management software to track, capture, and audit account information and history. This case management system allows unprecedented transparency through 24/7 remote access to investors, regulators, and auditors. The software tracks assets in real-time, automates recovery activities, and generates or updates an audit trail with the push of a button.
The Oak Harbor Capital IT platform has handled tens of millions of claims and cases for itself and third parties safely and securely.
Reputation, Relationships, and Historical Record
Oak Harbor Capital and its predecessor and affiliated firm have created a 34-year record of legal, ethical, regulatory, compliance, and reputational excellence. This unparalleled history has created strong and long relationships with many of the nation’s leading purchasers and servicers of consumer receivables.
These relationships give Oak Harbor Capital exceptional access to strong proprietary deal flow.