ENICLIC RECOVER

Buy / Invest

Sell a debt portfolio to Eniclic

Businesses and lenders can place eligible overdue accounts with Eniclic for recovery, or offer qualifying debt portfolios for sale. We 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

Eight stages, each with a documented decision point

Nothing progresses to offer or assignment without diligence, a modelled recovery view and a legal position both sides are comfortable with.

  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

Secure enquiry

Tell us about the portfolio

Portfolio-level information only. This form has no file upload, and any submission containing debtor-level identifiers is rejected before it is stored.

Please do not submit

  • • Debtor or customer names, or any individual's personal details
  • • Account numbers, loan references, card numbers or mobile money numbers
  • • Ghana Card, TIN, SSNIT, passport or other national identifiers
  • • Debtor addresses, phone numbers or email addresses
  • • Pasted spreadsheet rows, account listings or ageing extracts
  • • Statements, contracts or any attachment containing customer data

Helpful to include

  • • Total portfolio value, number of accounts and average age
  • • Product type, security position and individual or business mix
  • • Industry, documentation status and recovery activity to date
  • • Your own company and contact details so we can reply

Describe the portfolio in summary. Do not paste spreadsheet rows or account listings.

Confidential debtor data is never uploaded through this public website. Account-level files are exchanged only under a signed non-disclosure agreement through a secure data room once diligence begins.

What we assess

How a portfolio is valued

  • Ageing, balance bands, product mix and geographic spread
  • Contactability and quality of consent records
  • Prior recovery activity, payment behaviour and plan adherence
  • Documentation completeness and assignability
  • Modelled recovery curves and cash-flow timing
Prefer to keep ownership?

You can place accounts for recovery instead and retain the receivable, the customer relationship and full visibility of every action taken.

Place Debt for Recovery

Servicing or sale — decide with a modelled view, not face value.

Share portfolio-level information and we will come back with a diligence plan and an indicative recovery model.

Place debt for recovery Explore the platform