Pragma Inkaso is an NPL expert, whose perfect market knowledge allows it to operate skilfully in the most difficult sector – SME and corporate receivables.

Wide knowledge and experience are elements of our business DNA. We are a specialised partner for banks: we respond to their needs promptly and realise processes efficiently in tailored transactions.

This enables us to acquire portfolios of the highest quality, while good relations with sellers allow us to build long-term, fruitful cooperation.

Our operational methods make us different from competitors in this area as well. We do not manipulate, we never use unbearable pressure, we do not yell, we do not offer settlement at high interest rates.

We do not torment debtors with incessant phone calls, because we do not use a call centre in the traditional way. Our employees work in a comfortable environment. They are truly dedicated and motivated.

We focus on solving business puzzles and finding the best solutions. We are really good at it and absolutely honest about it. We always strive to reach an agreement. Having determined the facts, we are able to offer restructuring or a settlement without any interest charged, where the repayments are allocated to the principal amount. In justified cases we also accept partial debt redemption. As long as the debtors are willing to cooperate and their intentions are supported by actions, we always look for a compromise.

We never use the term “unreasonable proposal”. As long as the justification is convincing and compliant with our findings, we consider all possible situations and options.

Hard enforcement, debt enforcement officer, or receiver? Sometimes, we are forced to take more radical debt enforcement actions. This usually happens when we deal with cynical players, entrepreneurs who attempt to conceal their income and property, whose creativity and legal support are often worthy of the great financial world. In such cases, we fight ruthlessly in all areas, starting from field and legal  activities, through confrontation and enforcement actions with the participation of the creditor, to securing interests and waiting for the debtor’s first false step.

These battles often last for years, but in a 3-5 years’ perspective they result in the satisfaction of the creditor. If we know that the debtor owns property and does not express will to reach agreement, we often conduct multiple thread operations, consistently striving to enforce the payment.

We are proud of our individual approach to our Customers and the ability to prepare safe valuations with use of innovative statistical methods.

We possess a high level of expertise and we perfect understanding of the in-house and bank outsourcing processes. We have long-term experience in providing legal support and enforcement of corporate receivables.

The synergy of our actions in the enforcement, factoring and financing areas is often a competitive advantage, which has contributed to winning tenders more than once. Our approach does not consist in a top-down classification of receivables, or in viewing the portfolio as a flat image. We realise that it is a living organism that interacts with its environment and our tools.

In all our activities, we try to develop a concept on an individual basis and to design several alternative solution scenarios. We assume that, for portfolios with a recognised value loss (NPL), where the discount may reach even up to 98%, it is nothing special to present a pessimistic prognosis and multiply the risk. To the contrary, it is an art to find real value where others cannot see it.

This is the advantage of an expert.

The services we offer are based on long-term experience obtained while working in the banking environment, skilful negotiations on all decision-making levels of the Bank and the securitisation fund acting as a party to the transaction.

This enables banks to use the preferential assignment tool connected with the reduction of NPL levels, the tax shield and to act on a market regulated by the FSA with a trustworthy partner. If you are interested in buying out your debt from a Bank, tell us your story.

The offer is addressed particularly to entrepreneurs who have lost their financial liquidity and do not repay their liabilities to the banks, but who are able to obtain an investor or accumulate funds to buy out their debts with a significant reduction.

We offer negotiations with banks and we enable banks to make assignments to the securitisation fund. This provides a possibility to use preferential taxation and to prevent the transaction from affecting the bank’s overall result.

If you know that a given real property is collateral of a non-performing loan, we will be glad to help you acquire it by buying out the debt from the Bank, negotiating with the debtor or by means of enforcement.

However, if you are just looking for a good investment opportunity and you do not have any precisely defined requirements, feel free to ask what mortgage receivables and real properties we can offer you.