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We get your cash and keep your customers.

We create win-win-solutions.

We understand your debtors and your business. And always come up with tailored solutions that suit both sides. At EOS, we continuously invest in innovative technology and smart solutions for receivables management. This, along with our long experience and international know-how, makes us a preferred partner that our clients associate with high efficiency, quality and added value. Whatever financial problem you've got – you can count on us: we'll save you time and money.

We're happy to help. Just get in touch.

EOS Matrix EOOD (131001375)

EOS Matrix EOOD Office

6 Racho Petkov Kazandzhiyata Str., fl. 6
1766 Sofia
Matrix Tower

Phone: +359 2 976 08 00
Fax: +359 2 489 94 68

infobg@eos-matrix.bg Visit website

Opening hours:

Working Hours:
Monday - Friday:
08:00 am - 04:30 pm
Satdurday - Sunday:

Smart financial services.

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. EOS Global Collection


Lease Back

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

Traditional Mortgages

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

Bridge Loans

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