We get your cash and keep your customers.

Get your cash – leave the risk to us.

We buy your receivables and take on the risk of non-payment for a fair price. We take a random sample and let our tried-and-tested algorithms do the maths to predict the value of your debt portfolio. Your benefits: instant cash flow, a positive impact on your balance sheet – and freedom from the burden of unpaid debts. And, of course, peace of mind that we’ll treat today’s customers as tomorrow’s customers.

We purchase portfolios of various compositions and any status: unsecured, or secured by all asset classes. Our clients are the largest banks in the country as well as many non-banking financial institutions.

Let us save you time and money.

Handing responsibility for debt collection to EOS saves you time and energy and gives you peace of mind. We contact non-paying customers, both B2B and B2C, through all available channels, such as: phone calls and text messages, as well as letters by post and e-mails. And we use tact and professionalism at all times to maintain positive relationships with your customers.

We work across borders, without borders.

Different languages, legal systems and cultures: that’s what makes international debt collection challenging. We make it easy for you. EOS works across borders, without borders.

We can help you in two ways: with our Cross-Border Solution or our Shared-Service Solution.

Your benefits:

• Allocated EOS representative in your home country
• Your EOS representative understands your language and your needs
• We take charge of debt collection, making full use of our local expertise
• We have partners in over 180 countries
• EOS partners apply the same professionalism and good practices everywhere, as we do

Innovative technology for international debt collection

Our IT platform optimizes global workflows by regulating automated case transfers between partners around the world. The platform ensures direct, transparent and real-time communication. 

• Subject: Individuals or Companies
• Currency: BGN or EUR
• Limits: 1.00 - 5.00 mEUR
• Terms: 12 to 60 months
• Security: all types of RE
• LTV: up to 75%
• Annual Interest: 15%-20%
• Annual Fee: N/A
• Other Fees: Mortgage booking
• Due Diligence Fee: N/A

• Subject: Individuals or Companies
• Currency: BGN or EUR
• Limits: 1.00 - 10.00 mEUR
• Terms: 12 to 36 months
• Security: all types of RE
• LTV: up to 80%
• Annual Interest: 15%-17%
• Annual Fee: negotiable
• Other Fees: Ownership transfers
• Due Diligence: Fees negotiable

• Subject: Individuals or Companies
• Currency: BGN or EUR
• Limits: 1.00 - 10.00 mEUR
• Terms: Max 36 months
• Security: all types of RE
• LTV: max 70%
• Annual Interest: 15%-18%
• Annual Fee: N/A
• Other Fees: Mortgage booking
• Due Diligence: Fees negotiable