Do you have commercial receivables from foreign clients?
We manage non-performing receivables across national borders, with a single point of contact for your business.
From the first out-of-court action to legal proceedings: an integrated model for debt recovery in over 180 countries, without having to coordinate different professionals in each market.
Would you like to find out if and how we can help you?
The problem isn’t the receivable. It’s managing it abroad.
Working with “international” partners is increasingly a strategic choice: a commercial partner across the border requiring targeted credit management; a new foreign client with cash flows to monitor and manage; a booking made, a service rendered, and then left unpaid. When a non-performing receivable arises, complexity spikes immediately:
- different regulations from country to country
- language and cultural barriers
- difficulty coordinating local professionals
- uncertain costs and timelines
The result? The receivable is often simply written off. Not because it can’t be recovered, but because managing it seems too complicated.
Who we work with
We support all companies that:
- operate internationally and have foreign clients
- want to establish professional and effective management of their commercial receivables abroad
- find themselves dealing with non-performing receivables in countries where they have no established network
Manufacturing companies, professional firms, hospitality businesses, e-commerce operators: anyone working with non-Italian clients or partners can face this situation.
Our answer: a network in 180 countries, a single point of contact
EthicalFin NPL is the Italian partner of EOS Group, a German multinational with over 50 years of experience in professional credit management.
Through this partnership, we are able to:
- offer credit management services in over 180 countries
- rely on local professionals who are familiar with the regulations, operational practices, and cultural context of the debtor’s country
- coordinate all activities through a dedicated IT platform, ensuring reliable timelines and real-time updates
One single point of contact for all markets. No DIY coordination between local firms and service providers.
Our approach: a dual-track operational model
Managing foreign receivables does not end at the out-of-court stage. For this reason, EthicalFin NPL operates in close collaboration with Studio Legale Torre EF, our integrated legal division.
Our dual-track model includes:
- out-of-court phase — formal demand letters, written and phone reminders, direct on-the-ground contact, local negotiation
- legal phase — when necessary, legal action in the debtor’s country, coordinated seamlessly with the preceding phase
The two phases are not separate worlds: they work in parallel, with escalating intensity, to maximise the likelihood of resolution and reduce overall timelines.
.
How we work
- Service presentation and initial portfolio assessment
- NDA signing for customised projections and estimates
- Collaboration agreement signing
- Client focal point training and case assignment with standard documentation
- Case upload to the EOS platform and commencement of activities
- Bi-weekly updates on activities carried out and case progress
Guaranteed response times: First letter within the 3rd business day — First phone call within 15 business days — Out-of-court phase: maximum 4 months
Our strengths
- Single point of contact for all relevant markets
- Local professionals with expertise in the regulations and practices of over 180 countries
- IT platform for real-time monitoring of case status
- Transparent pricing on a success fee basis: fees for out-of-court activities are charged exclusively upon collection
- Ancillary costs kept to a minimum and only upon prior authorisation
- Integrated out-of-court + legal model, with Studio Legale Torre EF
- Priority given to out-of-court resolution, even during any subsequent legal phase
Results
- Professional management of foreign receivables without diverting internal resources
- Reduced costs compared to independently coordinating local professionals
- Reliable and traceable response times
- Operational continuity from the first action through to any legal proceedings
- Recovery of receivables that would otherwise be written off