A disciplined, four-stage process turns portfolios the market has written off into certified, activated assets that command a premium at exit.
Each stage is measurable, reported, and designed to compound into the next.
STAGE 01
Every opportunity is underwritten before a rand is committed. Our acquisition model reads prescription vintage, data completeness, and contact probability at the account level, so our bids reflect true recoverable value — not a rule-of-thumb percentage of face.
Stage 01 deliverables
STAGE 02
This is where value is created. Over 90 days we enrich stale data, run right-party-contact campaigns across voice, SMS, WhatsApp and email, and convert engagement into signed arrangements — reactivating a book the market had written off.
Stage 02 deliverables
STAGE 03
A polished portfolio removes uncertainty for the next buyer. We confirm legal status, interrupt prescription, refresh contact and employment data, and attach a propensity scorecard to every single account before it goes to market. Our proprietary scores that utilise AI modelling, assist with a comprehensive review and assessment of the portfolio.
Stage 03 deliverables
STAGE 04
Certified, activated and documented, the portfolio commands a premium exit. Buyers pay more because they inherit less risk — the spread between the distressed entry price and the polished exit is our profit engine.
Stage 04 deliverables
Applied Intelligence
Our proprietary scores that utilise AI modelling, assist with a comprehensive review and assessment of the portfolio.
The Spread
The same R10M face-value book can exit at wildly different prices depending on whether it has been activated. Our entire model is built on capturing that spread — for our own account, or as a success fee on your book.
Asset Preservation
Under the Prescription Act 68 of 1969, most unsecured debts prescribe after three years of inactivity. A portfolio with unmanaged prescription risk is worth a fraction of one where legal enforceability has been preserved. We treat prescription mitigation as a core value driver — not a collections afterthought.
Each interruption restarts the three-year window in accordance with the Prescription Act 68 of 1969. Timings illustrative.
“Competitors who acquire distressed portfolios without prescription management are systematically destroying their own asset value. We underwrite it at acquisition, then eliminate it operationally.”
Every portfolio is mapped by vintage at due diligence. Accounts within 12 months of prescription receive immediate campaign prioritisation.
Structured outreach to obtain signed or verbal Acknowledgements of Debt, resetting the prescription clock in accordance with the Act.
Even a nominal payment interrupts prescription. Our teams are trained to secure minimum payments as a legal preservation mechanism.
Where AOD or payment is unachievable on a material account, we initiate summons to interrupt prescription via court process.
Propensity-to-contact scores identify accounts most likely to engage, enabling efficient campaign targeting within prescription windows.
Start the Process
Our first step is a confidential portfolio assessment — no obligation, no upfront cost.