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.
Six ways to work with us.
From a clean outright sale to advisory and data products — choose the engagement model that fits your book, your timeline, and your risk appetite.
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.
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.
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.
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.
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.
Who We Work With
Built for every kind of credit provider.
- 01Banks & Non-Bank Lenders
- 02Retail Credit Providers
- 03Medical Practices
- 04Telecommunication Companies
- 05Micro-Lenders
- 06MunicipalitiesFuture phase
Our Moat
Why clients choose Khula.
The distressed-debt market rewards operators with data, discipline, and deep regulatory expertise — the advantages that compound with every portfolio.
- 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.
Find Your Fit
Not sure which model is right?
Tell us about your portfolio and we'll recommend the engagement that recovers the most value with the least risk.