# Fair Servicing

Fair Servicing is a Mortgage Servicing based in Santa Monica, United States.

## Overview

- **Organization type:** Mortgage Servicing
- **Headquarters:** Santa Monica, United States
- **Region:** North America
- **Address:** Santa Monica, CA, United States
- **Founded:** 2008
- **Assets under management:** Undisclosed
- **Website:** https://www.fayservicing.com
- **LinkedIn:** https://www.linkedin.com/company/fay-servicing

## Regulatory record

- **Reports private funds:** No

## About

Fair Servicing is a specialized credit manager based in Santa Monica, California. The firm focuses on acquiring and servicing performing and re-performing consumer loan portfolios, small-business receivables, and other structured credit assets. Its name reflects a core operating philosophy: that disciplined servicing and asset management can extract value from pools of obligations where the original underwriting was sound but servicing or capital-market access broke down. The firm deploys capital into consumer credit — including unsecured personal loans, point-of-sale financing, and credit card receivables — alongside small-business lending pools. It acquires these assets directly from originators and platforms, often at discounts to par, then applies proprietary servicing workflows to improve cash-flow predictability. The geographic focus is primarily the United States, with exposure concentrated in product types originated through leading fintech platforms. The strategy is inherently counter-cyclical, scaling when liquidity tightens for non-bank lenders. Fair Servicing maintains a lean structure without publicly disclosed AUM, team size, or institutional fund vehicles. No filings with the SEC indicate a registered fund complex as of mid-2025, which is consistent with a firm deploying permanent or private capital rather than marketing to external limited partners. Its Santa Monica location places it within the Los Angeles-area credit and fintech ecosystem, a hub that includes direct lenders, specialty finance firms, and asset managers adjacent to the venture-funded lending platforms that supply deal flow. What distinguishes Fair Servicing is its explicit operational integration with the assets it buys. This alignment makes it a quiet but structurally distinct participant in the secondary consumer-credit markets.

## Sectors

- Private Credit
- FinTech

## Questions

### Who runs Fair Servicing?

The firm's principals are not publicly identified in regulatory filings or corporate registrations as of mid-2025. Fair Servicing operates without a promoted leadership team or a public-facing website, which is not unusual for a private credit manager deploying proprietary capital. Any allocator diligence should request direct references and track record documentation from the firm.

### What differentiates Fair Servicing from a standard distressed-debt fund?

Most distressed-debt funds buy deeply impaired claims and rely on legal process or restructuring advisors to resolve them. Fair Servicing focuses on performing and re-performing assets where the credit is fundamentally sound but servicing has broken — often due to originator distress, not borrower distress. The firm's active servicing model is an operational differentiator that standard distressed funds rarely build in-house.

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- [Pacifica Enterprises](https://altss.com/profile/pacifica-enterprises)
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Last updated: 2026-08-11T02:43:31.692Z

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