eCollect

What eCollect does

eCollect is a Melbourne-headquartered, privately held Australian debt recovery agency operating since 2002 (ACN 077 128 888), with regional offices in Sydney, Brisbane, and Auckland, New Zealand, plus a UK market entry via the eRecoveries subsidiary. The firm recovers unpaid commercial and consumer debts on a contingency basis — commission is only charged when funds are successfully recovered — for a customer base spanning SMEs, ASX-listed and Fortune 500 corporates, and Australian government agencies including local councils, state departments, and Commonwealth bodies. eCollect serves 20+ industry verticals with dedicated specialist account managers rather than a call-centre model, covering healthcare, education, RTOs, real estate, fitness, hospitality, manufacturing, financial services, and government among others.

The technology stack centres on a cloud-based debt recovery platform comprising the proprietary Debt Terminator assessment tool (free online debt appraisal providing recovery-likelihood analysis and indicative cost) and the Real-Time Recovery Dashboard (a 24/7 client portal offering live case progress, payment insights, and document management). E C Legal, a wholly-owned in-house law firm, provides seamless litigation escalation via letters of demand, tribunal action, and court proceedings. Sister services include eReceivables (credit operations software) and eRecoveries (UK market). The integrated ecosystem shares office space, communication systems, and support personnel across entities.

Revenue is generated primarily through contingency commissions on successfully recovered debts (transaction-fee model) plus professional-services revenue from E C Legal litigation. Distribution is hybrid: direct enterprise sales via dedicated account managers and commission-aligned Business Development Managers, paired with a self-serve online portal and a free Debt Terminator tool that functions as inbound lead generation. The company is founder-controlled (Managing Director James Woods) with no disclosed external funding and reports having recovered over $120M cumulatively for more than 10,000 businesses over its operating history.

Name

eCollect

Legal name

eCollect.com.au Pty Ltd

Website

https://ecollect.com.au

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

101–250 employees

Short description

eCollect is an Australian-headquartered debt recovery agency operating since 2002, providing contingency-based commercial and consumer debt collection across Australia, New Zealand, and the UK. It serves SMEs, ASX-listed corporates, and government agencies through industry-specialist account managers, proprietary cloud recovery technology, and an in-house legal firm.

Ownership category

akta.pro rank

Product category

Debt Collection Services

NAICS

Collection Agencies (561440), Repossession Services (561491)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320), Personal Credit Institutions (6141)

akta.pro primary industry

Debt Recovery & Asset Recovery (Repossession Coordination, Collateral Recovery) (BPAAAEAE)

akta.pro secondary industries

Repossession & Asset Recovery (Non-mortgage) (FSAKAJAF), International & Cross-Border Collections (FSAKAJAO), Collections, Delinquency Management & Bad Debt Recovery (EDALAJAG)

Keywords

• Debt collection services
• Commercial debt recovery
• Accounts receivable recovery
• Credit management solutions
• Litigation support services

Headquarters

HQ city

Melbourne

HQ country

Australia

HQ region

Oceania

Offices4 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Commission on Recovered Debts: No-recovery, no-charge model where commission is only charged when debts are successfully collected. Fees apply only once cleared funds reach the audited trust account. No upfront costs, no onboarding fees, no lock-in contracts, and no hidden charges.
2. Legal Services (EC Legal): In-house litigation services provided when debt recovery matters require legal escalation. Competitive pricing with costs explained and agreed before proceeding. One team, one file approach.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

eCollect provides debt collection and recovery services for businesses, government agencies, and individuals across Australia and New Zealand. The company operates on a no-recovery, no-charge commission model, with each client assigned a dedicated industry-specialist Account Manager. Services are supported by proprietary cloud-based platforms (Debt Terminator and Real-Time Recovery Dashboard) and an in-house legal firm (EC Legal) for litigation escalation, covering 20+ industry verticals including healthcare, government, education, fitness, and real estate.

Product overview

eCollect operates as a unified debt recovery platform offering a core collection service enhanced by proprietary technology modules and specialized industry-specific workflows. The product portfolio centers on the eCollect Core Debt Recovery Service (the primary offering with no-recovery no-charge pricing), complemented by the Debt Terminator assessment tool and Real-Time Recovery Dashboard for transparency. Affiliated services include E C Legal (in-house litigation), eReceivables (credit operations), and eRecoveries (UK market). The company delivers 19 distinct industry-specific recovery services including Medical & Dental, Government, Legal Practitioners, Fitness, Education, RTOs, Hospitality, Real Estate, Manufacturing, Financiers, Non-Business, and Service Providers, each with tailored workflows and specialist account managers.

Differentiator

Problem solved

Functional benefit

Brands

• Debt Terminator: Cloud-based debt assessment tool that reviews debt information and provides a tailored recovery outlook with no obligation and free service offering clarity on likelihood of recovery, suggested next steps, and indicative costs.
• Real-Time Recovery Dashboard

Products and services

• eCollect Core Debt Recovery Service The primary debt collection and recovery service operating across Australia and New Zealand, offering no-recovery no-charge pricing with dedicated account managers for personal, small business, corporate, and commercial debt recovery. Includes skip tracing, negotiation, payment processing via audited trust account, and escalation to legal action.
• Debt Terminator Assessment Tool A cloud-based debt assessment tool that analyzes debt details and provides a personalized recovery plan including recommended actions, key contacts, estimated costs, and recovery likelihood. Free service with no obligation, designed to generate qualified leads and provide upfront transparency.
• Real-Time Recovery Dashboard
• E C Legal Litigation Services
• eReceivables
• eRecoveries UK Debt Recovery
• Medical & Dental Debt Collection
• Government Debt Collection
• Legal Practitioners Debt Collection
• Fitness Clubs & Gyms Debt Collection
• Education Debt Collection
• RTO Debt Collection
• Hospitality Debt Collection
• Real Estate Debt Collection
• Manufacturing & Wholesale Debt Collection
• Financier Debt Collection
• Non-Business (Personal) Debt Collection
• Service Providers Debt Collection
• Litigation Services

Quantifiable outcome

• Over $120M recovered for clients
• +2 more outcomes

Named customers5 records

Segments8 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Four partnerships are on record, tiered core and minor.

• E C LegalcoreStrategic or Co-development PartnerEC Legal is eCollect's associated litigation and business lawyers, 100% owned and operated by eCollect. They share office space, communication systems and support personnel with eCollect. Provides competitive pricing and practical legal advice for matters requiring escalation, including letters of demand and litigation.
• eReceivablesminorStrategic or Co-development PartnerSister service designed for Australian receivables management and credit operations, uniting intelligent software with real operational expertise.
• eRecoveriesminorStrategic or Co-development PartnerUK expansion service applying high-end technology to cover the full receivables management process for UK market, supported by advanced systems, industry trained specialists and proven no-recovery, no-charge model.
• Kajji FoundationminorOthersCharitable foundation founded by Managing Director James Woods in 2010 to provide scholarships to Aboriginal Australians from the Northern Territory to come to Melbourne for secondary schooling. Ceased operations in 2018 with funds going to Melbourne Indigenous Transitional School.

Scale indicators5 records

Recent moves7 records

Expansion highlights6 records

Broad incumbents

• Pioneer Credit Recovery: ASX-listed (PNC) Australian financial services group including debt recovery and credit management. Comparable in customer base but larger and uses purchased-debt strategies alongside contingency agency work.
• Credit Corp Group: ASX-listed (CCP) leading Australian debt buyer and collector with multi-jurisdiction operations. Directly comparable as a debt recovery competitor in AU/NZ but operates at materially larger scale and with a balance-sheet-driven debt purchasing model eCollect lacks.
• PRA Group: Global debt purchaser and recovery firm with AU/NZ presence. Comparable in collections service capability but operates at global scale and primarily uses balance-sheet debt purchasing rather than pure contingency agency work.

Direct peers

• Probe Group: Australian BPO group offering debt recovery, customer management and credit services. Directly comparable on customer contact, debt collections workflow and government/enterprise client base.
• NCB Group (NZ): New Zealand credit and collections provider offering debt recovery, credit management and tracing services. Comparable regional peer where eCollect's eRecoveries and Auckland operations also compete.
• TMA (The Marketing Associates) — Recoveriescorp: Australian debt recovery specialist focused on consumer and commercial collections with a similar verticalised service offering. Direct competitor particularly in SME and trade credit recovery.
• Allied Collection Agencies: Australian debt collection agency serving commercial and consumer clients with similar contingency and skip-tracing services. Direct competitor particularly in the SME and trade-credit verticals.
• Receivables Management Group (RMG): Australian receivables and collections management firm serving enterprise clients. Comparable in offering end-to-end recovery and credit operations services to corporate and government clients.
• Collection House (now part of BCI Group / Axess Trading Systems): Long-established Australian debt collection agency with similar contingency-based recovery services across consumer and commercial debt. Closest direct peer by service model and customer base in AU/NZ.
• Baycorp (NZ) / Baycorp Advantage: Established New Zealand debt collection and credit management agency. Direct peer in NZ where eCollect also operates via its Auckland office, with comparable consumer and commercial recovery services.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/people/ECollect-Australia/61571751839763
• LinkedInlinkedin.com/company/ecollect
• Instagraminstagram.com/ecollect_aus

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Subsidiaries3 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 eCollect