Our operations


  • enhanced predictive dialer implemented
  • Ranked 1st or 2nd by our Clients in 91% of 254 mandates
  • Revenue per employee up 38%
  • GCR upgraded TC Recoveries primary and special services rating

Our portfolio:

9.2 million unique customer IDs
167 principal books
13 books purchased for R184 million
80 agency clients
254 mandates, up 41%

Resulting in for 2016:

~R300 million collected per month
~700 000 payments received each month
>25 million outbound calls each month
>R460 million advanced to black owned SMEs

Societal relevance

The activities of Transaction Capital Risk Services broadly contribute to the efficiency and effectiveness of the South African credit system. This includes the acquisition of distressed book debts, which assists clients to strengthen their balance sheets by accelerating cash flow and removing non-performing loans, thus improving their ability to continue providing debt finance into the consumer market. It also assists clients to lend responsibly, to identify which consumers to lend to, and to then collect successfully. This supports the affordability of credit by mitigating unnecessary pricing for risk.

In undertaking collections, the primary focus is on rehabilitating indebted consumers by helping them understand the importance of repaying their debts as a legal obligation, and structuring payments in a manner they can afford. This contributes to indebted consumers remaining active participants in the credit system.

Through Transaction Capital Business Solutions, SMEs that may not otherwise have access to credit, gain access to working capital finance.

Transaction Capital Recoveries provides a comprehensive range of customer management and capital solutions to South Africa’s largest credit providers. Its core service is the collection of accounts receivable across the credit lifecycle, including early stage rehabilitation, late stage collections and legal recoveries, using both call centre and legal collections. Capital solutions are provided in the form of distressed debt purchasing and structural outsourcing.

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Transaction Capital Payment Solutions (previously known as BDB), specialises in delivering customised, innovative, flexible and tailor-made services to suit your business needs.

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Principa provides customer management solutions leveraging its consulting, data analytics and technology capabilities. Focusing mainly on the consumer credit lifecycle, it assists its clients to originate, retain and grow customers, to lend responsibly and collect in the most cost-effective manner and to improve their customer experience.

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Transaction Capital Business Solutions, provides business support and working capital finance to SMEs that may not otherwise have access to credit, thereby facilitating both SME growth and job creation.

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Empowers South African consumers with the knowledge of their personal credit information.

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