01
Acquisition
We identify and price distressed portfolios using proprietary models incorporating prescription vintage, contact probability, and data quality — enabling precise bids others cannot match.
Your distressed debt is worth more than you think.
We acquire, activate, and optimise distressed portfolios — closing the gap between what your book is worth today and what it can achieve with the right expertise applied.
DistressedR0.5M–1.5M
PolishedR2M–4M
Spread captured by activation: up to +R3.5M
R600B+
Estimated SA NPL stock
60–90%
Typical discount vs. face value
15–40%
Activation value uplift
90 Days
Full activation cycle
The Value Chain
Four stages. Maximum value.
We take portfolios the market undervalues and turn them into premium-grade assets through a disciplined, data-driven process.
The full process →02
Activation
Dormant accounts enter a 90-day intensive programme: data enrichment, right-party contact across all channels, AOD capture, and payment arrangement conversion.
03
Polishing & AI Modelling
Activated accounts are prepared for resale: legal status confirmed, prescription interrupted, data enriched with current details, and scorecards attached to every account.
04
Resale
Polished portfolios go to market with a full data pack, activation report, and legal status summary — commanding a premium from debt buyers, agencies, and legal firms.
The Opportunity
We capture the spread between what a portfolio sells for and what it could sell for.
Credit providers are under pressure to exit NPLs quickly, without the time or expertise to activate portfolios before sale. That creates a persistent valuation gap — and that gap is our primary profit engine.
A R10M face-value book typically sells for R500K–R1.5M distressed. With 60–90 days of targeted activation, the same portfolio can achieve R2M–R4M.
Illustrative. Ranges reflect typical South African market outcomes on unsecured consumer books.
What We Offer
Six ways to work with us.
Buy your book outright, polish it for a premium exit, or tap our scoring intelligence — there is a Khula engagement model for every need.
All services →Core model
Portfolio Acquisition & Resale
We buy distressed portfolios outright, activate, polish, and resell at a premium. You get a clean, immediate exit at a fair price — we do the work of unlocking the rest.
You retain ownership
Portfolio Polishing Mandate
You own the book throughout. We run the activation campaign and take a success fee on the uplift achieved at sale. No upfront cost, no conflict of interest.
Advisory
Portfolio Intelligence-as-a-Service
Before you sell or activate, know exactly what you have. We run your portfolio through our full scoring methodology and deliver a diagnostic: prescription risk, activation potential, optimal exit strategy.
Outsourced campaigns
Activation-as-a-Service
You retain ownership; we execute pre-sale activation campaigns on a per-account or success basis. Ideal for credit providers with the infrastructure to sell but not to activate.
Data product
Propensity-to-Pay Scoring
Enriched contact data and AI-driven propensity-to-pay scorecards, built from real activation outcomes across our portfolio universe. Sold to debt buyers, lenders, and collection agencies.
Legal risk management
Prescription Protection Advisory
Consulting and managed service for credit providers facing high prescription risk. We audit vintage exposure and execute interruption strategies before value is destroyed.
Our Moat
Why Khula Recovery Solutions.
The distressed-debt market rewards operators with data, discipline, and deep regulatory expertise. We are built around advantages that compound over time.
- 01Proprietary Pricing Model
- Our acquisition model incorporates prescription vintage, data quality, and contact probability — enabling accurate bids and better margins than competitors relying on rules of thumb.
- 02Prescription Expertise
- Deep legal and operational mastery of SA prescription law is rare in the debt-buying space. Most buyers underestimate this risk. We price it, manage it, and eliminate it operationally.
- 03Activation Infrastructure
- Omnichannel contact infrastructure, bureau integration, and trained activation teams create a capability that takes years and significant capital to replicate from scratch.
- 04Data Network Effect
- Every portfolio we process enriches our consumer data models. As volume grows, our scoring improves — a compounding advantage that widens with every activation cycle.
- 05Credit Provider Relationships
- Forward-flow agreements and polishing mandates create switching costs. Providers who have worked with us prefer a known, trusted partner over an unknown buyer at sale time.
- 06Portfolio Certification
- A proprietary grading standard for debt portfolios: data quality, prescription exposure, contact rate, and segment mix. Certified portfolios command a premium because buyers face less uncertainty.
Get in Touch
Ready to unlock your portfolio's true value?
Whether you are a bank, retailer, medical practice, or non-bank lender looking to exit or optimise your NPL book — we want to hear from you.