4D Contact

Name

4D Contact

Legal name

4D Contact

Website

https://4dcontact.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Commercial Debt Recovery

NAICS

Collection Agencies (561440), Telephone Call Centers (56142)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro industry

PRIMARYFSAKAJAB

Third-Party Collection Agencies (Consumer)

Financial & Insurance/Lending & Consumer Finance/Debt Collection, Recovery & Servicing

SECONDARYHDAAAFAL

Contact Center Speech AI (agent assist, IVR automation)

Hardware, Technology & Telecom/Artificial Intelligence & Machine Learning/Speech, Audio & Conversational AI

Keywords

• Commercial debt recovery
• Credit management services
• International debt collection
• Outsourced credit control
• Invoice-to-cash solutions

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Commercial Debt Collection: Debt collection services delivered on a no win, no fee, commission only basis. Rates vary depending on age, volume and value of debts. Consistent rates across all UK and international markets. No onboarding or administration fees.
2. Outsourced Credit Control: Multiple fee structures available: fixed cost per credit-controller, commission only basis based on percentage of collections, or a combination of both. Flexible contracts from three months to permanent support.
3. Managed Legal Services: Pre-legal localization on no-win, no-fee basis. If settled pre-legal, charges percentage of amount collected. If settled after legal proceedings commence, charges monthly management fee (as little as £50) plus percentage of final settlement.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

4D Contact provides international commercial debt recovery and outsourced credit control services for global blue-chip enterprises, combining AI and automation technology (4D Full Contact) with multi-lingual human voice-led collections (4D Voice Contact). Its portfolio spans commercial debt collection, international debt recovery, outsourced credit control, and managed legal services across 100+ countries, delivered as white-labelled solutions that integrate with client operations or run on 4D Contact's collections automation platform.

Product overview

4D Contact is a global debt recovery and credit management services company offering an integrated suite of commercial invoice-to-cash services. The core portfolio includes four main services: Commercial Debt Collection, International Debt Recovery, Outsourced Credit Control, and Managed Legal Services. These are delivered through two complementary service models: 4D Full Contact (AI and automation-powered technology for 24/7 cost-efficient triage) and 4D Voice Contact (human voice-led collections by multi-lingual trained agents). The offering is underpinned by an Automation Software/Collections Platform that enables intelligent workflows, real-time reporting, and data analytics, with flexibility to work within 4D Contact's platform or through client's in-house/ERP systems.

Differentiator

Problem solved

Functional benefit

Products and services

• Commercial Debt Collection B2B commercial debt collection service delivered on a no-win, no-fee, commission-only basis, ranging from ad-hoc ledger clean-ups to ongoing support as an escalation point. Designed for businesses needing to collect outstanding commercial debts while protecting customer relationships and brand.
• International Debt Recovery International commercial debt recovery service delivered across all continents and countries by multi-lingual agents, handling different time zones, languages, currencies, cultures, and regulatory regimes. Includes review, design/build, and action phases, and is suited to global blue-chip enterprises with cross-border receivables.
• Outsourced Credit Control Always-on outsourced credit control service that combines AI and automation technology with human agents to act as an extension of the in-house team. Available on fixed cost per credit-controller, commission only, or combination fee structures, with flexible contracts from three months (e.g., staff absence, peak support, champion-challenger) to permanent support.
• Managed Legal Services Cost-efficient managed legal debt recovery services including pre-court legal localization through specialist lawyers across 100+ countries and end-to-end litigation management. Offers no-win no-fee options, fully-funded legal options for complex undisputed debts from £10,000 to £2 million, and a hybrid monthly management fee (from £50) plus percentage of final settlement structure.
• 4D Full Contact AI and automation technology service that provides cost-efficient top-of-funnel triage for debt collection, delivering 24/7 automated customer contact, document delivery, secure payments, payment plans, and accurate data capture with escalation to human collections agents. Sits alongside 4D Voice Contact as one of two complementary service models.
• 4D Voice Contact

Quantifiable outcome

• 500% increase in cash collected for Clear Channel France within 10 months
• +6 more outcomes

Named customers4 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability6 records

Feature3 records

Partnerships

One partnership is on record.

• Legal Partners NetworkcoreImplementation/ SI/ Consulting Partner4D Contact maintains an established network of specialist lawyers and legal partners across 100+ countries. This network provides pre-legal localization of international debts and court action capabilities, enabling debt recovery through courts globally. Partners operate on no-win, no-fee basis for pre-legal stages, with legal proceedings managed with prior client consent.

Scale indicators5 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• EOS Group: EOS Group is an international B2B and B2C debt collection specialist operating across Europe, with services including commercial collections, legal recovery, and digital collection platforms. Directly comparable to 4D Contact as a multinational debt recovery and credit management provider using tech-enabled collections workflows.
• Coface: Coface is a global trade credit management provider offering B2B credit insurance, business information, and debt collection services across 100+ countries. It is directly comparable to 4D Contact as a commercial B2B collections and credit management specialist serving multinational enterprises.
• Lowell: Lowell is a UK-headquartered debt recovery group serving banks, telecoms, and utilities with both consumer and commercial collections. Directly comparable to 4D Contact on the UK-regulated collections model and end-to-end technology-enabled recovery services.
• Atradius Collections: Atradius Collections provides B2B commercial debt collection services globally as part of the Atradius credit insurance group. Closely comparable to 4D Contact in targeting mid-to-large multinationals with international receivables, offering similar outsourced commercial collections and managed legal services.
• B2B Credit & Collections Services: B2B Credit & Collections Services is a UK-based commercial credit management and debt collection firm serving B2B clients. Closely comparable to 4D Contact as a similarly-sized domestic commercial collections specialist, often competing for similar mid-to-large enterprise mandates.

Broad incumbents

• Intrum: Intrum is a leading European debt management and credit services group combining outsourced collections, debt purchasing, and credit management SaaS. It is a broad incumbent to 4D Contact — overlapping on commercial debt recovery but operating at materially larger scale across more consumer and SMB debt.
• Allianz Trade (Euler Hermes): Allianz Trade (formerly Euler Hermes) is the world's largest trade credit insurer and operates a global debt collection business. It is a broad incumbent that overlaps with 4D Contact on commercial collections but pairs it with credit insurance and a much wider risk-management portfolio.
• PRA Group: PRA Group is a global financial services company specialising in the purchase and collection of non-performing loans, with a growing third-party collection business. It is a broad incumbent operating at greater scale than 4D Contact and with significant debt-purchasing exposure.
• Marston Holdings: Marston Holdings is a UK enforcement, order-for-payment, and debt recovery group covering regulated and commercial collections. Comparable to 4D Contact on the UK commercial debt recovery market but with broader regulated-services and enforcement capabilities.

Emerging players

• HighRadius: HighRadius is an AI-powered order-to-cash automation platform offering collections workflow, dunning, and cash-application software. It is an emerging player whose AI-driven collections automation overlaps with 4D Contact's 4D Full Contact product, though delivered as SaaS rather than as a managed BPO service.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/contact4d
• LinkedInlinkedin.com/company/4d-contact
• Facebookfacebook.com/4dcontact

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

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 4D Contact