Real estate
The challenge. Overdue residential and commercial rent, and off-plan or instalment sale payments that miss their dates — complicated by large tenant bases, varied contracts and the sensitivity of the landlord–occupant relationship.
How we help
- Consistent follow-up on rent arrears that preserves relationships with reliable tenants
- Arrears schedules aligned with contractual payment cycles
- Complete files prepared for the legal route on documented contracts, when needed
Contracting
The challenge. Certified progress payments not yet released, claims from subcontractors and suppliers, and retentions delayed after handover — with technical disputes often tangled up in financial claims.
How we help
- Follow-up on progress payments and claims with the relevant parties, in documentary sequence
- Separating the agreed financial element from disputed technical points to speed up what can be collected
- Precise documentation of every claim and letter to protect your contractual position
Healthcare
The challenge. Self-pay patient balances, unpaid co-payments, and payer claims that are pending or partially rejected — where every contact demands heightened sensitivity to patient privacy.
How we help
- Highly discreet contact that never touches on medical details and is limited to necessary financial data
- Follow-up on patient balances with manageable payment options
- Support for your team in chasing pending claims and classifying the reasons for delay
Trading companies
The challenge. Credit sales to distributors and wholesalers, credit limits exceeded, and invoices stacking up while supply continues. Pushing too hard can mean losing an entire distribution channel.
How we help
- Follow-up on credit invoices according to agreed credit terms
- Balance reconciliation with customers to close discrepancies that delay payment
- Reports that help you review credit limits for repeat late payers
Small & medium enterprises
The challenge. Every late riyal directly affects the ability to pay salaries and suppliers. Most SMEs have no dedicated collection staff, so follow-up falls to the owner or the accountant.
How we help
- A ready-made collection service with no need for new hires or systems
- Flexible engagement models tied to results
- Early invoice follow-up that stops arrears building up in the first place
Retail
The challenge. Large numbers of small accounts, with instalment or credit sales to individuals and businesses. Here, collection is an equation of volume and cost.
How we help
- High-volume follow-up through low-cost digital channels
- Account segmentation to focus human effort where returns are highest
- Contact that protects customer loyalty to your brand
Services
The challenge. Maintenance contracts, subscriptions and ongoing professional services that go unpaid while delivery costs continue — often followed by disputes over service quality after the fact.
How we help
- Regular follow-up on recurring invoices before they accumulate
- Logging and documenting objections, then referring them to you for quick resolution
- Scheduling arrears while keeping the contract in place wherever possible
Leasing
The challenge. Overdue lease payments on vehicles and equipment, assets still in the lessee's hands, and medium- to long-term contracts where repeated late payment can't be ignored.
How we help
- Consistent follow-up on lease payments from the first missed instalment
- Settlements that account for asset value and contract status
- Complete files prepared for the legal route when needed
Finance & instalment companies
The challenge. High-volume instalment portfolios and strict regulatory requirements on how and when customers may be contacted. A single collection misstep can become a violation or formal complaint.
How we help
- Adherence to the controls and instructions regulators impose on our clients when acting on their behalf
- Follow-up on arrears with precise segmentation by number of missed instalments
- Full contact documentation supporting review and audit requirements
Insurance companies
The challenge. Unpaid policy premiums, third-party recoveries and cross-claims between parties — receivables marked by many stakeholders and detailed documentation.
How we help
- Follow-up on overdue premiums with individual and corporate policyholders
- Pursuit of recovery amounts with full supporting documents
- Adherence to the regulatory controls that apply to our clients in this sector
Private education
The challenge. Overdue tuition fees, where the financial and the human dimension overlap and the school's or university's reputation with parents is at stake.
How we help
- Contact with parents and guardians handled with the utmost tact and respect
- Payment plans aligned with term and academic-year dates
- Early follow-up ahead of each term to prevent fees accumulating
