Debt purchase services
Uncollected debt – unlocking the value
Debts that you’ve written off as uncollectable may still hold value. Our Portfolio Investment team specialize in buying non-performing loans across all asset classes, from unsecured debts to real-estate backed loans. This can be undertaken alongside other services such as debt collection and carve out arrangements or as a standalone option.
For businesses of all types
We understand that every business and portfolio is unique. That’s why we provide flexible, tailored debt purchase agreements that take into account industry dynamics, customer behaviour, and portfolio characteristics. Whether your receivables are from high-volume consumer transactions or complex B2B contracts, our approach ensures that you receive the best value while maintaining operational simplicity.
Immediate cash flow improvement
Selling your receivables to us provides instant liquidity, freeing up valuable working capital that can be reinvested into your core business activities. By converting your outstanding receivables into cash, you reduce your dependency on uncertain future payments and strengthen your financial position. This enables better financial planning, supports operational needs, and drives sustainable growth.
Minimised risk, maximised focus
Managing outstanding receivables can be time-consuming, resource-intensive, and fraught with uncertainty. By selling your debt portfolios to us, you transfer the risk of non-payment and bad debt. This allows your business to focus on what truly matters—serving your customers and growing your brand—while we take on the responsibility of collections using professional, ethical, and compliant practices.
Trusted partner with proven expertise
Choosing the right partner for debt purchase is critical to protecting your company’s financial health and reputation. With decades of experience in purchasing and managing receivables across industries, we have developed deep expertise and robust processes to deliver reliable results. Our transparent and collaborative approach, coupled with our commitment to compliance, ensures that you can trust us to act as an extension of your business.
FAQ - Debt Purchase
Debt purchase is the process where a company sells its outstanding receivables to a third party, typically at a discount. Once the receivables are sold, the purchasing company assumes ownership of the debts and the responsibility for collecting payments. This enables the selling business to immediately improve cash flow and reduce the risks associated with unpaid debts.
The cost of seeking payment from a non-paying customer is often greater than the account balance itself. Intrum can buy the debt from you, at a percentage of the face value. The price is calculated based on the overall quality of the portfolio, where we look at the number of accounts, the age of the accounts and balances, and the cash already collected.
We pay you immediately and then seek payment from the individual customer, using our expertise and economies of scale.
We purchase a wide range of receivables, including non-performing loans (NPLs), performing loans, and overdue invoices. Our expertise spans various industries, such as financial services, telecom, utilities, healthcare, and government institutions. In addition, we purchase real estate-backed loans and other secured assets across Europe.
Any time. We adapt to your strategy. Intrum purchases debt at all stages of the credit lifecycle, from performing accounts, to those in early arrears, older debts and written-off accounts. You can decide what makes the most sense for your business.
The purchase price is determined based on several factors, including the age of the receivables, the likelihood of collection, the creditworthiness of the debtors, and historical recovery rates. We conduct a thorough due diligence process to ensure a fair and transparent offer for your portfolio.
We understand the importance of maintaining positive customer relationships. Our approach to debt collection is professional, ethical, and compliant with all regulations. We ensure that your customers are treated with respect throughout the process, helping to protect your company’s reputation.
By selling your receivables, you can convert future, uncertain payments into immediate cash. This improves liquidity, allowing your business to reinvest in operations, reduce liabilities, or pursue new growth opportunities without waiting for customers to pay.
Yes, we offer flexible solutions that allow you to sell either your entire portfolio or specific parts of it. Whether you’re looking to offload non-performing debts or a mix of performing and non-performing receivables, we can find solutions that suit your needs.
As well as selling portfolios of uncollected debts, many of our clients like to agree ‘forward flow’ deals, where we agree to buy accounts on an ongoing basis when they reach a particular stage in your processes. This gives you certainty of income as well as freeing up internal time and resources.
Intrum’s pan-European coverage and ability to purchase debts in all asset classes means we can structure a deal that works for you, whether solely buying non-performing assets or providing other services such as debt collection as well. Speak to one of our team for more information.
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