Asset Recovery & Claims Assistance
Funds May Be Waiting.
We Help You Determine What Comes Next.
Surplus Flow Capital helps individuals, families, former property owners, heirs, businesses, and other eligible parties research and pursue funds that may be legally owed to them following foreclosure proceedings, tax sales, bankruptcy matters, and transfers to state unclaimed-property programs.
Research-Driven • Confidential • Transparent Process • Nationwide Assistance Where Permitted
Trust & Transparency
You Should Know Who You Are Working With.
We understand that being contacted unexpectedly about unclaimed money can raise questions. It should.
Before providing personal information or signing documents with any recovery company, you should understand who you are dealing with, why you were contacted, what services are offered, and what obligations you are accepting. At Surplus Flow Capital, trust is built through transparency — not pressure.
Clear Company Identity
Visitors should be able to clearly identify the company they are communicating with and how to contact us.
Written Agreements
Services, responsibilities, and applicable compensation should be explained in writing before work begins.
Clear Communication
Potential clients should have an opportunity to ask questions and understand the recovery process before deciding whether to proceed.
Confidential Handling
Personal documentation is handled carefully and used only for legitimate claim-related purposes consistent with applicable policies and agreements.
What We Recover
Recovering Assets Across Multiple Sources
Mortgage Foreclosure Surplus Funds
When a property is sold through a mortgage foreclosure, the sale proceeds may exceed certain debts, costs, liens, or other amounts associated with the proceeding.
Learn about foreclosure surplus 02Tax Sale & Tax Deed Surplus Funds
When property is sold because of delinquent property taxes, the final sale price may exceed the taxes, costs, and other amounts required to be satisfied.
Learn about tax sale surplus 03State Unclaimed Property
When a financial institution, insurance company, business, or other organization is unable to successfully contact the rightful owner for a period of time, state law may require the organization to report and transfer the unclaimed property to the appropriate state agency for safekeeping. The funds generally remain available for the rightful owner or eligible heirs to claim.
Learn about unclaimed property 04Bankruptcy Unclaimed Funds
In certain bankruptcy cases, money distributed by a bankruptcy trustee may remain unclaimed because a creditor or other intended recipient could not be located, a payment was not negotiated, or another issue prevented distribution.
Learn about bankruptcy funds 05Heir & Estate Claims
A potential claimant may no longer be living when funds are identified.
Learn about heir & estate claimsHow the Process Works
A Clear Path Forward
Complex claims. A considered process.
- 01
Discover
We begin by identifying potential funds and researching available public records associated with the property, proceeding, account, bankruptcy matter, or other source — to determine whether there appears to be a legitimate connection to the potential claimant.
- 02
Review
We examine available records, potential entitlement, and requirements established by the court, county, state agency, trustee, or other custodian — including ownership records, sale information, probate records, or bankruptcy filings.
- 03
Verify
Before moving forward, we work to confirm identity and determine what supporting documentation may be required, such as identification, ownership records, estate documents, or court documents.
- 04
Prepare
Once the necessary information has been collected, we help organize claim documentation and supporting materials, with the objective of a complete, well-supported claim.
- 05
Pursue
Where appropriate and permitted, we assist with the administrative recovery process and respond to requests for additional documentation. If a matter requires independent legal counsel or other professionals, we explain this clearly.
- 06
Resolution
When a claim is approved, funds are distributed according to the procedures of the applicable court, agency, trustee, or custodian. Clients are kept informed of material developments throughout.
Why Didn't I Know?
If the Money Belongs to Me, Why Wasn't I Already Paid?
Circumstances vary. Funds can go unclaimed for many ordinary, administrative reasons.
- Outdated mailing addresses
- Returned notices
- Deceased owners
- Unresolved estates
- Name changes
- Incomplete records
- Uncashed distributions
- Ownership changes
- Inability to locate a recipient
- Complicated lien or title histories
- Funds transferred to another custodian
The existence of funds does not automatically establish entitlement. Every potential claim must be evaluated based on the applicable records, laws, procedures, and circumstances.
Why Surplus Flow Capital
Research First. Claims Second.
Record-Based Research
Potential claims should begin with records and documentation — not assumptions.
Individual Case Review
No two claims are identical. Ownership history, liens, probate, bankruptcy, and jurisdiction can materially affect recovery.
Clear Communication
Clients deserve to understand what is happening, what documentation is required, and what comes next.
Realistic Expectations
We do not make exaggerated promises. Eligibility and recovery depend on facts, documentation, law, and the entity holding the funds.
Confidentiality
Client documents and personal information are treated with appropriate care throughout the engagement.
Founder Involvement
Matters receive direct leadership and oversight from the firm's founder, Baptiste Royer.
Founder-Led
The Vision Behind Surplus Flow Capital
Baptiste Royer founded Surplus Flow Capital with a clear purpose: to help individuals and families navigate the often-complex process of identifying and pursuing funds to which they may be entitled. The company was built on a commitment to professionalism, transparency, and a diligent approach to every potential recovery.
No Upfront Cost
Contingency
We start the process without charging a dime.
2.5M+
Over 2 Million
We have successfully recovered over $2 million in excess proceeds.
All 50 States
We Are Everywhere
We operate nationwide, covering all 50 states.
Confidential Review
There May Be More to the Record.
If you believe funds may be connected to you, your family, a former property, an estate, a bankruptcy matter, or another financial matter, the first step is understanding what the records actually show.
SURPLUS FLOW CAPITAL
214-809-0458 · info@surplusflowcapital.com · surplusflowcapital.com