Perch Capital
Perch Capital is part of
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Perch Group

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Are you a business looking to sell debt?

At Perch Capital, we’re not just a buyer that sees debt purchase as transactional: We build long-term partnerships as an extension of our clients’ teams.

As a well-funded debt purchaser, we provide our partners with compliant, flexible and bespoke debt purchase solutions using our data, expertise and advanced analytics to segment and price portfolios.

Our customers are assessed with our own unique behavioural and credit analytical tools to ensure the best and most appropriate customer journey.

Whilst we don’t have a minimum investment value, as an ethical purchaser, we will need to perform due diligence on all portfolios prior to purchase to ensure they meet our internal quality requirements.

Why sell to Perch Capital ?

As part of Perch Group, we are able to service the full spectrum of debt types and sectors from mail order and financial services to utilities and telecoms, offering a one-stop- shop of market-leading, data-led services including debt purchase, debt resolution, litigation and reconnection.

Whatever the size, type or complexity of portfolios or accounts, we’ve got the expertise to service them to the highest standards. Because of our entrepreneurial culture, we can make quick decisions, unpick any issues, and reduce the hassle for all involved, while maintaining the highest best practice principles as standard.

This unique combination of experience and agility allows clients to focus on their customer acquisition strategy and front-end journeys, using us as a ‘perch’ to lean on.

Perch Group’s industry-leading leadership team has years of collective debt purchase and collections experience having worked in some of Europe’s largest debt purchasers. It is a given that we treat customers fairly and focus on good outcomes. However, we really do want to be proud of our business and its staff to ensure our customers get the help and support they need to resolve their debts and take control of their finances. We are not here to make short term profits and are instead working to grow a large and successful business that will last for generations. Read more about us here.

What debt types does Perch Capital buy?

We have the ability to manage and purchase complex portfolios in both the regulated and unregulated consumer and SME markets. Once purchased the majority of portfolios are managed by one of our internal Perch Group servicers (typically ACI-UK for regulated consumer debts) but we are also happy to partner with other collections agencies in the marketplace.

Debt types include:

  • Regulated consumer financial services (personal loans, auto finance, credit cards, HCSTC)
  • Utilities
  • Telecoms
  • SME
  • Insurance shortfalls

We don’t just buy non-paying accounts, and are happy to purchase a range of accounts including:

  • Early arrears
  • Customers in a debt management plan
  • IVAs/ Trust Deeds
  • Post CCJ
  • Customers on informal payment arrangements (pre-default)


How do I discuss potential debt sales?

Please complete the contact form on this page and we will contact you.


Frequently asked questions

Please contact us and ask for our first time debt sellers guide.

Perch Capital is an unregulated SPV. When it purchases regulated debt it immediately appoints a regulated servicer to manage the debts on its behalf. In the majority of cases Perch Capital places the debts the ACI (and group company with FCA permissions) to manage the accounts on its behalf. Please contact us if you require further information about this.

Contact our business team

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