A smarter, more professional approach to commercial debt recovery.
Collections, credit operations, and advisory for lenders, finance providers, and ambitious SMEs.
Built inside fintech lending. Bringing that insight to your business.
WorkCap draws on our founder’s experience building and scaling credit and collections operations within one of Europe’s leading fintech lenders to SMEs. That experience shapes how we work: understanding not just recovery, but the commercial priorities, systems and decisions around it.
We speak the language of credit, product, technology, data, customer success, legal and senior leadership, and understand the evidence required by internal and external audit. We usually work as an extension of your team, bringing specialist support, insight and capacity where needed.
For lenders and ambitious SMEs alike, that means recovery support grounded in first-hand operating experience, with a clear understanding of your business, not just the outstanding balance.
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 moreFrom pre-default monitoring to active recovery.
We usually work as an extension of your in-house team, providing specialist recovery support, insight, and capacity where needed. We can monitor accounts before default, take conduct from default, or join later on individual cases or across a portfolio, under an agreed mandate.
Live ledger monitoring
Runs in the background for high-risk accounts, pre-default accounts, those with a previous default, and other companies of interest. It provides immediate notifications when changes are detected in company risk scores, insolvency likelihood indicators, charges, officers, addresses, and dozens of other data points, helping your team identify emerging concerns and reassess the timing of next steps.
Investigations and pre-action preparation
From pre-lending checks to asset and circumstances investigations, we draw together paid business intelligence, public records, and open-source intelligence. This helps you understand who you are dealing with, assess recovery prospects, and judge when to negotiate, continue monitoring, or consider further action. Recommendations are evidence-led, with legal escalation subject to your approval.
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.
- Before default, where ongoing monitoring would help identify emerging risk
- From default, under an agreed recovery mandate
- When your team needs additional capacity or specialist insight
- When investigation would clarify the position or inform pre-action preparation
- Following a broken promise or failed payment plan
- Where internal chasing is no longer making progress
- Where a disputed balance or signs of financial distress require a considered next step
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
Guided legal escalation. Evidence-backed decisions.
Legal escalation is a significant step in the recovery lifecycle. We investigate the position, assess the available routes, and provide a clear recommendation supported by documented evidence and experienced judgement. We explain the rationale, risks, and practical implications, helping you make a confident, justifiable decision that reflects your values, customer relationships, and wider business objectives.
One point of contact
You keep one point of contact at WorkCap throughout. Where escalation is approved, the work is undertaken by our established panel of professional partners in law and insolvency, with WorkCap managing instruction, preparation, and coordination. This saves your team time and removes the need to source and procure specialist firms yourself, while keeping you informed and in control. Recommended legal action remains subject to suitability and your approval.
One view per case
Managed escalation, from letter before action through to CCJ, winding-up or bankruptcy, tracked in one view per case. The recommendation, supporting rationale, your decision, and subsequent legal progress are recorded together in a clear audit trail.
Vellunor Commercial Finance Ltd · £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 WorkCap's own purpose-built platform, bringing case management, workflow management and document management together. Built around our recovery work, it gives your team clear oversight, consistent execution and an auditable record throughout.
- 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), with every decision made by our team and approved by you
Demo data · complete sequence · illustrative timing
Portal screens shown with demo data
Purpose-built AI. Deliberate safeguards. Human accountability.
AI is integrated into our own recovery platform, not used as a standalone chatbot. It supports document extraction, correspondence drafting, case analysis and reporting, alongside our own workflow rules, controlled case access and recorded decisions.
Controlled processing
Our text-AI integration is configured for European regional processing, with an approved exemption from provider abuse-monitoring prompt logging. We distinguish case-data processing from public-information research, with feature-specific retention terms documented in our data-processing arrangements.
Safeguards within the workflow
Case-access restrictions, function-specific data minimisation, selected source and factual checks, and approval paths are built into the platform. Our team reviews proposed correspondence and controls legal next-step decisions; recommended legal escalation requires your approval.
Documented accountability
Our data-processing arrangements document instructions, confidentiality, supplier oversight, transfer safeguards and return or deletion obligations. Operational drafts, summaries and decision records support service delivery and the audit trail; they are distinct from provider logging and model training.
AI-assisted analysis operates within defined workflows, with professional oversight, validation controls and clear accountability for decisions. Further information on data governance and processing safeguards is available as part of client due diligence.
A clear position. A considered next step.
Live cases
| Case # | Debtor | Claim | Outstanding | Stage | Last action |
|---|---|---|---|---|---|
| DEMO-001 | Quorvellan Fabrications Ltd | £188,450 | £54,450 | Payment Plan | 15 Oct 2026 |
| DEMO-002 | Velquorin Engineering Ltd | £223,175 | £145,075 | Engaged | 15 Oct 2026 |
| DEMO-003 | Norlavex Logistics Ltd | £260,350 | £260,350 | Pre-Legal | 15 Oct 2026 |
| DEMO-004 | Tervunel Supply Ltd | £297,525 | £297,525 | Initial Stages | 15 Oct 2026 |
| DEMO-005 | Bravolune Plant Ltd | £334,700 | £73,650 | Payment Plan | 15 Oct 2026 |
| DEMO-006 | Caldovex Precision Ltd | £371,875 | £371,875 | Engaged | 15 Oct 2026 |
| DEMO-007 | Ashquorel Foods Ltd | £195,050 | £165,800 | Pre-Legal | 15 Oct 2026 |
| DEMO-008 | Kesvarune Interiors Ltd | £232,225 | £232,225 | Initial Stages | 15 Oct 2026 |
| DEMO-009 | Morvexel Haulage Ltd | £269,400 | £40,400 | Payment Plan | 15 Oct 2026 |
| DEMO-010 | Tavronel Retail Ltd | £306,575 | £159,425 | Engaged | 15 Oct 2026 |
| DEMO-011 | Elquorin Construction Ltd | £343,750 | £343,750 | Pre-Legal | 15 Oct 2026 |
| DEMO-012 | Harvelune Print Ltd | £380,925 | £380,925 | Initial Stages | 15 Oct 2026 |
| DEMO-013 | Lyndovex Medical Ltd | £204,100 | £61,250 | Payment Plan | 15 Oct 2026 |
| DEMO-014 | Orelquint Hospitality Ltd | £241,275 | £180,975 | Engaged | 15 Oct 2026 |
| DEMO-015 | Penvarune Metals Ltd | £278,450 | £278,450 | Pre-Legal | 15 Oct 2026 |
| DEMO-016 | Redquorin Joinery Ltd | £315,625 | £315,625 | Initial Stages | 15 Oct 2026 |
| DEMO-017 | Stavolune Packaging Ltd | £352,800 | £35,300 | Payment Plan | 15 Oct 2026 |
| DEMO-018 | Thorvexel Electrical Ltd | £389,975 | £389,975 | Engaged | 15 Oct 2026 |
| DEMO-019 | Upquorin Wholesale Ltd | £213,150 | £181,200 | Pre-Legal | 15 Oct 2026 |
| DEMO-020 | Velnorix Leisure Ltd | £250,325 | £250,325 | Initial Stages | 15 Oct 2026 |
| DEMO-021 | Wexquorel Glass Ltd | £287,500 | £97,750 | Payment Plan | 15 Oct 2026 |
| DEMO-022 | Yarvolune Digital Ltd | £324,675 | £194,825 | Engaged | 15 Oct 2026 |
| DEMO-023 | Abquorin Motors Ltd | £361,850 | £361,850 | Pre-Legal | 15 Oct 2026 |
| DEMO-024 | Bravexel Textiles Ltd | £399,025 | £399,025 | Initial Stages | 15 Oct 2026 |
| DEMO-025 | Cresquorin Timber Ltd | £222,200 | £42,200 | Payment Plan | 15 Oct 2026 |
| DEMO-026 | Dunvarune Clinics Ltd | £259,375 | £181,575 | Engaged | 15 Oct 2026 |
| DEMO-027 | Easquorel Pharma Ltd | £296,550 | £296,550 | Pre-Legal | 15 Oct 2026 |
| DEMO-028 | Falvorune Events Ltd | £333,725 | £333,725 | Initial Stages | 15 Oct 2026 |
Demo data · complete sequence · illustrative timing
Quorvellan Fabrications Ltd
Demo data · complete sequence · illustrative timing
Recovery aligned with your outcome.
Pre-legal recovery is undertaken on a contingency basis, with the rate, scope, and calculation of our fee agreed before instruction. Where the agreement or applicable law permits, we also pursue recoverable interest and recovery costs. Amounts recovered can offset some or all of our fee, reducing the net cost of recovery.
The position depends on the agreement, settlement terms, and amounts ultimately collected. Where legal action is needed, we provide fixed-price legal costings wherever available; nothing escalates without your approval.
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.