SBTs for debt purchase and collection company

Methods
1

Dear Community,

A purely debt purchase company has more than 70% of unsecured personal loans in its balance sheet.

Questions:

  1. Do SBTs exist for this type of companies? My understanding is no based on the FI SBTi guidance.
  2. For the rest 30% which are secured loans like real estate and motor vehicle is it possible to achieve SBTi accreditation?
  3. Would developing an own methodology for the 70% unsecured personal loans for GHG accounting and using PCAF for the other 30% where methodology exist, would be valid to set a SBT?

Thank you in advance.