Recovery
- Loan recovery for banks, SACCOs and microfinance
- High-volume digital lending collections
- Medical bills, school fees, premiums and utility bills
- Rent and property arrears
Recover what you are owed. Keep the customer.
Beyond Recovery collects overdue accounts for lenders, SACCOs, hospitals, schools and utilities across Kenya, with respectful negotiation, a secure platform and every shilling accounted for.
- Collected from debtors
- KES 1,000,000
- Paid into the collections account
- KES 1,000,000
- Our commission (20%)
- - KES 200,000
- Remitted to you
- KES 800,000
Illustrative figures. Commission is 10-30% and is paid only on money recovered.
Built for teams that hold many small, repeat accounts:
- Digital lenders
- Microfinance
- SACCOs
- Hospitals
- Schools
- Utilities
- Landlords
How an account moves from overdue to settled
Every account follows the same documented path, so you always know where it stands.
Onboard
We sign a contract and a data processing agreement before any account is shared.
Verify and clean
We check and de-duplicate your file, and flag records that are not ready to chase.
Issue a demand notice
A formal notice goes out first, so the debtor knows exactly what is owed and to whom.
Talk to the debtor
Calls, SMS and email within permitted hours, with field visits only where justified.
Settle or set a plan
Payments go straight into the collections account, never to an agent.
Close or escalate
The account is closed and remitted, or passed to a partner advocate with your written approval.
What we handle for you
Support
- Skip tracing from lawful sources only
- Demand notices and formal delivery
- Payment plan set-up and monitoring
- Legal escalation through partner advocates
Advisory
- Credit policy and credit-risk advice
- Portfolio audits and recovery strategy
- Live recovery reports for your team
Firm, fair and auditable
How we treat your customers is how they will remember you. Our code of conduct is written down, and you can audit it.
- No threats or harassment. No misleading statements, and no telling third parties about a debt.
- Reasonable hours and frequency. Contact limits are built into the platform.
- Disputes pause collection. We verify the account with you before we continue.
- Hardship gets a plan. Debtors in genuine difficulty are offered a documented payment plan.
- Do-not-contact is honoured immediately, including wrong-party requests.
- Every complaint is recorded and reported to you monthly.
Your money is never mixed with ours
Client funds are the first thing a lender's due diligence checks, so we built the process around it.
- A dedicated collections account, separate from our operating funds.
- Daily reconciliation of every payment received.
- Remittance net of commission on an agreed schedule.
- Two-person approval on every remittance.
- A monthly statement for each client.
A platform built for collections, owned by us
We develop and run our own collections platform, so we can adapt it to your portfolio and show you the numbers as they change.
From day one
- Portfolio import, validation and de-duplication
- One history per debtor, with consent and do-not-contact flags
- Rule-based workflows and timers
- SMS, email and call logging within contact limits
- Role-based access, MFA, encryption and an activity log
Next
- M-Pesa and Paybill reconciliation
- Trust ledger for client funds
- Client portal with live recovery and ageing views
- Legal case tracking
Later
- Payment-likelihood scoring to prioritise accounts
- WhatsApp and voice automation
- Multi-branch support
Aligned to Kenya's Data Protection Act, with a signed data processing agreement for every client.
See what a portfolio could return
Move the sliders to see an illustrative result. Your real rates depend on portfolio age, size and quality, and we will set a benchmark with you before a pilot starts.
Start with a pilot, not a leap
Give us a small, aged portfolio for 60-90 days. We agree a benchmark first, so you can compare our results with your current recovery rate.
- A pre-agreed benchmark and reporting schedule.
- Weekly client reports during the pilot.
- A sample client report on request, and our code of conduct in full.
- No obligation to continue.
Talk to us about a pilot
Tell us about your portfolio and we will reply within two working days.
Beyond Recovery Collection ServicesGateway Mall, Mombasa Road
P.O. Box 51326, 00200 - City Square
+254 704 343 434 / +254 716 500 000
beyondrecovery1@gmail.com