What Perch Group does

Perch Group is a UK-based credit and asset management company that purchases defaulted consumer and SME debt portfolios from institutional sellers (lenders, financial services firms, utilities, telecoms, retailers, insurers) and resolves them through an integrated operating model. The group is structured around Perch Capital as the purchasing entity, ACI (Asset Collections & Investigations, FCA-regulated) as the authorised servicer managing customer accounts and payment arrangements, and TM Legal Services (SRA-regulated) handling litigation and enforcement when standard recovery is insufficient. Perch 360 is offered as a turnkey, end-to-end service suite covering early-stage through late-stage collections and legal recovery.

The underlying technology stack combines proprietary behavioural and credit analytical models with advanced data analytics to segment portfolios, price them precisely, and craft customer journeys. Data inputs include credit reference agency feeds from Equifax, Experian, and TransUnion. The group holds ISO 9001, ISO 27001, ISO 22301, Cyber Essentials and Cyber Essentials Plus certifications, plus CSA and MALG memberships, satisfying the procurement standards of regulated institutional debt sellers. The company operates exclusively in the United Kingdom and integrates with the NotifyNOW platform to provide bereaved customers with single-notification end-of-life administration across up to 1,600 UK service providers.

The business model is a one-time purchase model: Perch acquires portfolios at a discount to face value, then recovers funds through its in-house servicing and legal subsidiaries. Revenue is recognised on successful debt recovery. The company secured a £90 million (~$111 million) growth-stage funding package in September 2023, led by Quilam Capital with Hampshire Trust Bank, providing capital for larger portfolio acquisitions. The company employs 101–250 staff and is headquartered in Blackpool, UK.

Name

Perch Group

Legal name

Perch Capital Limited

Website

https://perchcapital.co.uk

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

101–250 employees

Short description

Perch Group is a UK-based debt purchaser that acquires defaulted consumer and SME portfolios from institutional sellers and resolves them through in-house FCA-regulated servicing (ACI) and SRA-regulated litigation (TM Legal), using proprietary behavioural and credit analytics.

Ownership category

akta.pro rank

Product category

Debt Purchasing and Credit Management Services

NAICS

Collection Agencies (56144)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Debt Buying / Portfolio Acquisition & Recovery (Debt Purchasers) (BPAAAEAG)

akta.pro secondary industries

Debt Buying & Portfolio Acquisition (Charged-Off Receivables) (FSAKAJAC), Legal Collections Support (Pre-Lit, Litigation Admin, Judgment Recovery) (BPAAAEAH), Late-Stage / Hard Collections (Charge-Off, Litigation Prep Support) (BPAAAEAD)

Keywords

• Debt purchasing
• Debt collection services
• Credit management
• Portfolio acquisition
• Debt recovery

Headquarters

HQ city

Blackpool

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Supply Chain, Marketing or Sales, Infrastructure, Others

Revenue model

1. Debt Acquisition and Resolution: Perch Group acquires defaulted debt portfolios at discounted prices from original lenders (banks, financial services companies, utilities, telecoms). They then manage debt resolution through their group companies (ACI for collections, TM Legal for litigation), recovering amounts owed. Revenue is generated through successful debt recovery.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Perch Group purchases defaulted consumer and SME debt portfolios from institutional sellers (banks, financial services firms, utilities, telecoms, retailers, insurers) and recovers amounts owed using proprietary behavioural and credit analytical models. Recovery is delivered through wholly-owned subsidiaries ACI (FCA-regulated collections) and TM Legal Services (SRA-regulated litigation), integrated under the Perch 360 end-to-end service suite covering early-stage collections through late-stage legal enforcement.

Product overview

Perch Group operates a multi-brand platform centred on Perch Capital, a specialist debt purchaser that acquires defaulted consumer and SME portfolios using proprietary behavioural and credit analytical tools. Perch Capital functions as the core purchasing entity, appointing its FCA-regulated subsidiary ACI (Asset Collections & Investigations) to service and manage accounts on its behalf. TM Legal Services provides in-house litigation capability for enforcement action. The Perch 360 suite integrates these capabilities into a unified, end-to-end offering covering debt acquisition, resolution, and legal recovery. The group also partners with NotifyNOW to streamline end-of-life administration for bereaved customers.

Differentiator

Problem solved

Functional benefit

Products and services

• Perch Capital A specialist debt purchasing division of Perch Group that acquires and resolves defaulted consumer and SME debts using proprietary behavioural and credit analytical models to segment, price, and manage portfolios. Targets institutional debt sellers (lenders, financial services firms, utilities, telecoms, retailers, insurers) and serves UK consumers through regulated servicing partners.
• ACI (Asset Collections & Investigations) An FCA-authorised debt resolution agency (FCA registration 708400) that acts as Perch Capital's regulated servicer, engaging with customers to resolve outstanding balances, arranging payment plans, and guiding customers toward financial wellbeing. Wholly-owned subsidiary of Perch Group.
• TM Legal Services An SRA-regulated solicitor firm (SRA number 647970) that takes enforcement action on behalf of Perch Group clients through litigation, including court claims, enforcement of County Court Judgments, and related legal recovery activities. Wholly-owned subsidiary of Perch Group.
• Perch 360 A turnkey, end-to-end debt collection solution spanning early-stage recovery through late-stage collections and legal services, integrating technology with expertise across the full receivables lifecycle for institutional debt sellers.

Quantifiable outcome

• Notify up to 1,600 UK service providers with a single notification through NotifyNOW partnership

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Five partnerships are on record, tiered core and minor.

• NotifyNOW (operated by Phillips & Cohen Associates)coreStrategic or Co-development Partner · 23 June 2026Perch Group partnered with NotifyNOW to simplify end-of-life administration for customers. The NotifyNOW platform allows families handling affairs of deceased Perch Group customers to notify up to 1,600 UK service providers including financial institutions, utility companies, and mobile phone operators with a single digital notification, eliminating the need to contact each provider individually. This partnership reduces administrative burden on grieving families while enabling more sensitive and efficient responses.
• ACI-UK LimitedcoreChannel Partner/ Reseller/ DistributorACI-UK is the primary authorized servicer managing customer accounts on behalf of Perch Capital. As an FCA-regulated debt resolution agency (FCA registration 708400), ACI engages with customers to resolve balances and guide them toward financial wellbeing. They handle communications, payment arrangements, and customer support as part of Perch Group's integrated service offering.
• TM Legal Services LimitedcoreChannel Partner/ Reseller/ DistributorTM Legal Services is an SRA-regulated solicitor firm (SRA number 647970) that takes decisive action on behalf of Perch Group clients to enforce debts through litigation. They provide legal services including court claims, enforcement of County Court Judgments, and related legal recovery activities.
• Credit Reference Agencies (Equifax, Experian, TransUnion)coreTechnology or IntegrationPerch Group shares customer information with Credit Reference Agencies to assess affordability, verify information, detect and prevent financial crime, manage accounts, and trace and recover debts. CRAs provide information about customers' credit history, financial situation, and public information to support Perch's decision-making processes.
• Loop MoneyminorGTM or Marketing PartnerLoop Money is a money sharing app that Perch Group promotes to customers as a free tool for lending and borrowing money from friends and family. This partnership provides customers with additional financial management options.

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Lowell Group: One of the largest UK and European credit management services companies, purchasing and servicing defaulted consumer debt portfolios — directly comparable to Perch Capital's core business model and target customer base.
• Hoist Finance: Pan-European debt purchaser acquiring non-performing consumer loans across multiple jurisdictions, including the UK; comparable to Perch in business model, capital intensity, and reliance on behavioural analytics for pricing.
• PRA Group: Global leader in acquiring and collecting nonperforming loans with significant UK operations through PRA UK; a direct competitor to Perch Capital in purchasing UK charged-off consumer and SME portfolios.
• Arrow Global: UK-focused asset management and debt recovery specialist purchasing portfolios from banks, utilities, and telecoms — a direct peer with overlapping customer segments and similar late-stage recovery capabilities.
• Link Financial: European debt purchaser and servicer with UK operations, focused on acquiring and recovering defaulted consumer credit portfolios — comparable in scale, customer base, and service offering to Perch.
• Bristow & Sutor: UK debt recovery specialist with regulated enforcement capabilities and significant utility/telecom creditor base; comparable to Perch in its end-to-end recovery model including legal action.

Broad incumbents

• Encore Capital Group: Global debt purchaser operating Cabot Credit Management in the UK; offers comparable services but at much larger scale and as part of a multi-geography, multi-brand platform.
• Marlin Equity Partners (Cabot Credit Management): Owner of Cabot Credit Management, one of the UK's largest debt purchasers; comparable as a private-equity-backed UK debt purchase platform competing head-to-head with Perch for portfolio acquisitions.

Regional players

• TDX Group (Equifax subsidiary): UK debt sale platform and debt management service provider operating exclusively in the UK; comparable to Perch in customer base (UK creditors) though more focused on facilitating portfolio sales rather than owning them.

Emerging players

• Phillips & Cohen Associates: Specialist in deceased debt (bereavement) recovery and operator of the NotifyNOW platform — Perch's actual strategic partner. Comparable as a niche UK/European debt purchaser with distinctive consumer-segment focus.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/perch-group

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries2 records

Funding overview

Funding rounds1 record

Investors2 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Perch Group