ENICLIC RECOVER

Buy / Invest

Debt Portfolio Acquisition

Businesses and lenders can place eligible overdue accounts with Eniclic for recovery or offer qualifying debt portfolios for sale. Eniclic can assess portfolios, undertake due diligence, model expected recovery and, where appropriate and legally permitted, make an acquisition offer.

Sell a Debt Portfolio Request Portfolio Valuation

Acquisition process

Submit → diligence → valuation → offer → assignment → recovery

Every stage has a documented decision point. Nothing progresses to offer or legal assignment without diligence and a modelled recovery view.

  1. Stage 01Submit Portfolio
  2. Stage 02Due Diligence
  3. Stage 03Recovery Analysis
  4. Stage 04Portfolio Valuation
  5. Stage 05Offer
  6. Stage 06Legal Assignment
  7. Stage 07Acquisition
  8. Stage 08Recovery

Engagement path

Four phases, each with a decision point

You can stop after any phase. Nothing proceeds to structuring without a documented diagnostic and a legal position we are both comfortable with.

Phase 01

Portfolio diagnostic

Segmentation by ageing, balance band, product, region and contact quality, with a realistic view of how much of the book is genuinely contactable.

Phase 02

Recovery modelling

Expected recovery curves and cash-flow timing under pre-legal, field and legal scenarios, with sensitivity on contact rates and plan adherence.

Phase 03

Due diligence support

Documentation completeness, assignability, consent position and data-protection review before any transfer is contemplated.

Phase 04

Structuring

Servicing mandate, revenue share or selective acquisition of eligible receivables, subject to legal and regulatory requirements.

What we need

A clean data room makes valuation faster

  • Account-level ledger with balances and last payment dates
  • Product terms, interest and charge history
  • Contact data quality and consent records
  • Prior recovery activity and outcomes
  • Documentation status and assignability position

Important

Acquisition of receivables in Ghana is subject to legal, contractual and regulatory requirements, including data-protection obligations and the terms of the original credit agreement. We will not proceed with any transfer that cannot be lawfully documented, and we recommend that both parties take independent legal advice.

Nothing on this page is an offer to purchase, and all indicative pricing is subject to diligence and formal agreement.

Offer a portfolio, or place it for recovery.

Submit portfolio-level information and we will respond with a diligence plan and an indicative recovery model.

Place debt for recovery Explore the platform