WorkCap Information

WorkCap helps fintech lenders, SMEs and growth businesses recover commercial debt, manage arrears and improve visibility across recovery activity. We specialise in non-regulated B2B debt recovery, collections consulting, arrears support and recovery operations for businesses that need more structure, control and commercial judgement than a traditional collections process can provide. Our work covers unpaid invoices, commercial arrears, debtor portfolios, lending facilities, non-performing balances, disputed claims and complex recovery cases. We combine specialist recovery expertise with structured workflows, data-informed decision-making and software-enabled reporting, helping clients move from uncertainty to action with clearer priorities, better visibility and practical escalation routes. For fintech lenders and commercial finance providers, we support collections strategy, NPL management, borrower engagement, legal escalation, insolvency routes and portfolio-level recovery projects. For SMEs and growth businesses, we support accounts receivable and invoice recovery where late payment, poor process or debtor behaviour is affecting cash flow. WorkCap is built around the operational reality of commercial recoveries: knowing what to do, when to act, how to escalate and how to protect value while maintaining professionalism throughout the process. WorkCap is a trading style of The Working Capital Group Limited.