Contingent collections, done properly, across every stage of the lifecycle.
You refer the file, we chase it. We start with the soft, digital channels your customers actually respond to, and escalate through human contact, hardship pathways, and legal enforcement only when the file needs it. One team, one process, one ledger, from day-one reminder to final demand.
File referral & onboarding
Secure file intake via SFTP, API, or portal upload. We reconcile the data, segment the portfolio, and assign strategy, typically within the first business day of receipt.
Digital-first contact
SMS, email, voice, WhatsApp, and QR-to-pay, delivered through our omnichannel platform, branded to your house style or ours. Most customers resolve here without ever speaking to a human.
Human escalation
Trained agents take over when digital plateaus, skip-trace, negotiation, payment plans, and genuine conversation. Every call is recorded, every interaction logged against the file.
Legal pathway
For files that need it, we run the legal track in-house, letter of demand, statement of claim, judgment, enforcement. Your file never gets handed off to a third party you've never met.
Hardship & vulnerability support
A structured pathway for customers in genuine hardship, self-declaration, income-and-expenditure, referral to financial counsellors, and a plan that holds. Compliance-by-design, under your brand if you want it.
White-label option
Every touchpoint, letters, SMS, email, inbound calls, portal, can go out in your name. Your customers never know where the handover happened. You keep the brand, we do the operation.
Live reporting dashboard
A live activity feed and dashboards, contact rates, promises-to-pay, payment arrangements, recovery, agent productivity. Board-ready views on tap, no ticket required.
No recovery, no fee
Contingent commercial model, you only pay a percentage of what we actually collect. No set-up fee, no monthly minimum, no hidden legal disbursements without approval. Simple.
One file, one team, every stage, handled in-house.
Most competitors hand files between three or four different teams. We don't. The same file manager owns your account from the first reminder to the last payment, and every channel and escalation runs through the same platform.
Pre-legal, digital & human
Structured, escalating digital contact across SMS, email, voice and WhatsApp, with human agents stepping in on complex files. Most files resolve in this phase.
Letter of demand
A formal, compliant letter of demand, issued under our licensed entity or yours. Clear language, clear consequences, clear pathway to resolve before legal begins.
Legal enforcement
Statement of claim, default judgment, and enforcement, garnishee orders, examinations, bankruptcy petitions where appropriate. Every step reviewed and approved with you first.
Settlement & remittance
Funds cleared into your trust-segregated account, with weekly or monthly remittance, reconciled line by line, with every transaction traceable to the file that produced it.
Plausible ranges, not vanity numbers.
Every portfolio is different, and we'll model real numbers against your own book before we start. These are the directional ranges we tend to see across a live client base of consumer and commercial files.
Refer your first file.
Send us a portfolio to price, a file to work, or just a few questions. We'll come back to you inside one business day.