Receivables intelligence for Ghana
Recover more. Understand risk. See every cedi.
One intelligent platform for receivables management, debt recovery, portfolio acquisition and credit-risk analytics — built for Ghana.
- Portfolio types
- 8+
- Contact channels
- SMS · Email · Voice
- Audit coverage
- 100%
The four Eniclic modules
Recover, manage, acquire and analyse — on one platform
Use one module or the whole platform. Everything shares the same case record, so nothing is lost when an account moves from reminder to recovery, or from recovery to acquisition.
Debt Recovery
Collect overdue debts on behalf of businesses and lenders — professional, respectful recovery using digital engagement, structured negotiation and accountable human case management.
- Success-fee recovery
- Payment plans
- Full case audit trail
- Legal escalation workflow
Credit Control & Receivables
Help businesses manage invoices, reminders, arrears and payment behaviour before accounts become serious bad debt.
- Early reminders
- Receivables dashboard
- Customer follow-up
- Monthly management reports
Debt Portfolio Acquisition
Assess and potentially purchase qualifying debt and receivables portfolios — due diligence, recovery modelling, valuation and, where appropriate and legally permitted, an acquisition offer.
- Portfolio due diligence
- Recovery modelling
- Portfolio valuation
- Legal assignment support
Recovery & Credit Risk Analytics
Eniclic Intelligence brings together Recovery Score, Credit Monitor and future Credit Score functionality so every decision is explainable.
- Recovery Score
- Credit Monitor
- Explainable factors
- Customer correction pathway
Two commercial journeys
What would you like Eniclic to do?
Keep the receivable and let us recover it, or offer the portfolio to us for assessment and potential acquisition.
Keep ownership, we recover
Keep ownership of your receivables and let Eniclic recover them on your behalf. You retain the customer relationship and see every action on a live case record.
- Success-fee based
- Live recovery dashboard
- Full audit trail
Sell a qualifying portfolio
Offer a qualifying portfolio of overdue receivables to Eniclic for assessment and potential acquisition, subject to due diligence and legal assignment.
- Portfolio valuation
- Due diligence support
- Clean legal assignment
The lifecycle
SCORE → MONITOR → MANAGE → RECOVER → BUY / INVEST → ANALYSE
Recovery Score and Credit Monitor are available as platform capabilities today. The wider Credit Score remains clearly marked Coming Soon.
- SCORE
- MONITOR
- MANAGE
- RECOVER
- BUY / INVEST
- ANALYSE
How recovery works
Recover what you are owed, without losing customers
Recovery fails when it is improvised. Ours runs on a defined path with mandates, timelines and evidence at every stage.
- 01Place your accounts
Upload a portfolio or submit accounts individually. We validate balances, references and contact data before any outreach begins.
- 02Digital engagement
Customers receive clear, respectful notices with a secure link to view their balance, pay, or propose an affordable arrangement.
- 03Human case management
Recovery officers work prioritised queues, negotiate arrangements within your mandate and escalate only where it is warranted.
- 04Settlement and reporting
Payments are reconciled to the account, remittance is prepared, and your dashboard reflects live recovery performance.
For customers
If you owe money, you should still be treated with respect
Customers can view their balance, pay securely, propose an affordable plan, raise a dispute or request a callback — at any hour, without a difficult phone call.
Hello, Kwabena
Why creditors choose us
Recovery performance without reputational risk
Respectful engagement, no harassment, documented contact rules on every account.
Data protection, consent tracking and a complete audit trail on every action taken.
Digital self-service means customers settle or arrange payment without waiting for a call.
Every payment, promise and dispute is timestamped and exportable for your records.
Turn overdue receivables into working capital.
Tell us what you manage today and where you need support. Every conversation is confidential.