A smarter, more professional approach to commercial debt recovery.
Collections, credit operations, and advisory for lenders, finance providers, and ambitious SMEs.
Three disciplines, one operating standard.
Engage where the need is sharpest: single case collection, portfolio recovery servicing, or strategic advisory. Clients commonly extend the relationship across all three over time.
Commercial collections
Instruct us on specific files or a portfolio of overdue commercial balances. We take conduct of recovery on your behalf, customer-aware and built to preserve recoverable relationships.
Learn moreCredit operations
Embedded support around the operating layer behind collections: portfolio monitoring, dispute handling, controls, workflow, and arrears management alongside your team.
Learn moreCollections advisory
Independent, operator-led advisory on collections strategy, performance, and CX in arrears, with credit ops crossover where it matters.
Learn moreYou set the trigger. We take it from there.
We are not a replacement for your in-house team. We are the next stage: engaged when your own conditions are met, so internal resource stays focused on early arrears and customers who are engaging.
- A set number of days past due
- A broken promise or failed payment plan
- No meaningful progress after internal chasing
- A disputed or contested balance
- Early signs of distress or insolvency risk
Customer contact, disputes, arrangements and escalation, run end to end.
One auditable record per case, not spreadsheets and inboxes.
Clear position and outcomes for your leadership team, without anyone in-house compiling it.
Every action evidenced and timestamped. When your auditors ask, we provide the record, so nothing needs reconstructing.
Refer a case in three steps.
- 01Upload
Upload the invoices, statements, contracts or agreements for your case.
- 02Confirm
Check the pre-filled details, including debtor contacts, balance, dispute status and documents.
- 03Done
Your referral is received. Once accepted, follow progress in the portal; nothing escalates without your approval.
One case or a whole portfolio.
Refer an individual case through the portal, or send portfolio files by the method that suits your team.
Prefer another route? We accept referrals in any format and by whatever method suits you, from email and spreadsheets to bulk portfolio files.
Upload
- Signed MCA agreement.pdf
- Personal and corporate guarantees.pdf
- Statement of account.pdf
- Final demand.pdf
Demo data · condensed walkthrough · illustrative timing
Portal screens shown with demo data
Legal escalation, with your approval.
Managed escalation, from letter before action through to CCJ, winding-up or bankruptcy, tracked in one view per case. The route depends on the case; nothing escalates without your approval.
WorkCap recommends the next step. You approve or decline it. The recommendation, your decision and subsequent legal progress are recorded together, giving your team an audit trail without reconstructing emails and documents.
Northgate Capital · £188,450 referred · PG + corporate guarantor
Follow the case through each stage, or select a stage to view it.
WorkCap reviews the case
Borrower, personal guarantee and corporate guarantee considered alongside the balance and recovery position, drawing on paid business intelligence, public records and open-source intelligence.
- Case position and liable parties reviewed09:10 · demo record
Demo data · alternative routes, not successive steps · illustrative timing. Legal action depends on suitability and client approval.
Built in-house, for credit and collections work.
Every mandate runs on our own proprietary platform. No rented software, no bolt-on case lists: consistent execution and full transparency that hold up to leadership, audit, and investor scrutiny.
- Secure client portal: live case position, legal progress, payments received and direct questions to your case owner
- Portfolio and case reporting prepared for you, without your team compiling a thing
- Approve or decline recommended next steps directly in the portal
- Managed legal escalation, from letter before action through to CCJ, winding-up or bankruptcy, tracked in one view per case
- A complete, timestamped record of every action, ready for audit
- Continuous portfolio oversight that surfaces stalled activity before it costs you
- Native AI, and escalation decisioning (beta)
Demo data · complete sequence · illustrative timing
Portal screens shown with demo data
A clear position. A considered next step.
Live cases
| Case # | Debtor | Claim | Outstanding | Stage | Last action |
|---|---|---|---|---|---|
| DEMO-001 | Halden Fabrications Ltd | £188,450 | £54,450 | Payment Plan | 15 Oct 2026 |
| DEMO-002 | Merefield Engineering Ltd | £223,175 | £145,075 | Engaged | 15 Oct 2026 |
| DEMO-003 | Alderwick Logistics Ltd | £260,350 | £260,350 | Pre-Legal | 15 Oct 2026 |
| DEMO-004 | Westhaven Supply Ltd | £297,525 | £297,525 | Initial Stages | 15 Oct 2026 |
| DEMO-005 | Brookmere Plant Ltd | £334,700 | £73,650 | Payment Plan | 15 Oct 2026 |
| DEMO-006 | Calder Precision Ltd | £371,875 | £371,875 | Engaged | 15 Oct 2026 |
| DEMO-007 | Ashby Foods Ltd | £195,050 | £165,800 | Pre-Legal | 15 Oct 2026 |
| DEMO-008 | Kestrel Interiors Ltd | £232,225 | £232,225 | Initial Stages | 15 Oct 2026 |
| DEMO-009 | Morland Haulage Ltd | £269,400 | £40,400 | Payment Plan | 15 Oct 2026 |
| DEMO-010 | Tamsin Retail Ltd | £306,575 | £159,425 | Engaged | 15 Oct 2026 |
| DEMO-011 | Elmstead Construction Ltd | £343,750 | £343,750 | Pre-Legal | 15 Oct 2026 |
| DEMO-012 | Harrowgate Print Ltd | £380,925 | £380,925 | Initial Stages | 15 Oct 2026 |
| DEMO-013 | Lyndon Medical Ltd | £204,100 | £61,250 | Payment Plan | 15 Oct 2026 |
| DEMO-014 | Oakridge Hospitality Ltd | £241,275 | £180,975 | Engaged | 15 Oct 2026 |
| DEMO-015 | Pennine Metals Ltd | £278,450 | £278,450 | Pre-Legal | 15 Oct 2026 |
| DEMO-016 | Redcliffe Joinery Ltd | £315,625 | £315,625 | Initial Stages | 15 Oct 2026 |
| DEMO-017 | Stanmore Packaging Ltd | £352,800 | £35,300 | Payment Plan | 15 Oct 2026 |
| DEMO-018 | Thornbury Electrical Ltd | £389,975 | £389,975 | Engaged | 15 Oct 2026 |
| DEMO-019 | Upton Wholesale Ltd | £213,150 | £181,200 | Pre-Legal | 15 Oct 2026 |
| DEMO-020 | Valecrest Leisure Ltd | £250,325 | £250,325 | Initial Stages | 15 Oct 2026 |
| DEMO-021 | Wexford Glass Ltd | £287,500 | £97,750 | Payment Plan | 15 Oct 2026 |
| DEMO-022 | Yarrow Digital Ltd | £324,675 | £194,825 | Engaged | 15 Oct 2026 |
| DEMO-023 | Abbotsford Motors Ltd | £361,850 | £361,850 | Pre-Legal | 15 Oct 2026 |
| DEMO-024 | Bramwell Textiles Ltd | £399,025 | £399,025 | Initial Stages | 15 Oct 2026 |
| DEMO-025 | Cresswell Timber Ltd | £222,200 | £42,200 | Payment Plan | 15 Oct 2026 |
| DEMO-026 | Dunmore Clinics Ltd | £259,375 | £181,575 | Engaged | 15 Oct 2026 |
| DEMO-027 | Easton Pharma Ltd | £296,550 | £296,550 | Pre-Legal | 15 Oct 2026 |
| DEMO-028 | Fairhaven Events Ltd | £333,725 | £333,725 | Initial Stages | 15 Oct 2026 |
Demo data · complete sequence · illustrative timing
Halden Fabrications Ltd
Demo data · complete sequence · illustrative timing
Agreed upfront. No surprises.
Terms are communicated and agreed before we act. Where legal action is needed, we provide fixed-price legal costings wherever available, and nothing escalates without your approval.
Know who you are dealing with.
Company reports and business intelligence on counterparties, from pre-lending checks to asset and circumstances investigations that inform the right recovery route. We draw on a comprehensive range of data points, from paid business intelligence to public records and open-source intelligence, such as archived web pages and publicly available website information.
A short consultation. A clear path forward.
Outline the position and we will tell you candidly whether we can add value, and on what terms.