NPL Servicing
A non-performing loan is not a loss: it is a debtor to put back on its feet, or a collateral to bring back to life.
Talk about your projectThe problem we solve
A portfolio of doubtful loans weighs on your ratios and on COBAC's scrutiny long before it becomes a definitive loss. Without rigorous triage, a chasing protocol and the capacity to reactivate immobilised collateral, every non-performing file stays on the balance sheet — provisioned, never resolved.
How we work
Portfolio triage: what is still recoverable, what needs restructuring, what requires reactivating the collateral — told to you honestly
Debtor restructuring: diagnosis of what went wrong, a realistic new repayment schedule, follow-up through to reclassification as performing
Continuous amicable recovery: a systematic protocol, payment promises recorded and tracked, within the strict COBAC consumer-protection framework
Reactivation of immobilised collateral: title repair, determination of what the asset can support, exit of the file from the balance sheet
What you receive
A portfolio diagnostic: what is recoverable, what needs restructuring, what needs reactivating
Amicable recovery operated continuously, without you having to hire
A one-page monthly report: recovered, promised, escalated, confirmed unrecoverable
No budget to release — fees are drawn from what is actually recovered or reactivated
Frequently asked questions
Mboa Make — Your project
Talk to us about your project
We qualify your need in a few exchanges and guide you to the right contact.