CCI Credit Management

What CCI Credit Management does

CCI Credit Management Ltd (CCICM) is a UK-headquartered, FCA-authorised debt collection agency founded in 1986 in Porthmadog, Wales. The firm delivers commercial, consumer, and international debt recovery services to a 6,000+ client base spanning multinational corporates, financial institutions, government departments, NHS Hospital Trusts, higher education institutions, public utilities, and SMEs. Reported client penetration covers 80% of NHS Hospital Trusts and Health Boards, supported by a uniquely held NHS Information Governance compliance credential. Vertically specialised service lines cover healthcare, care homes, higher education, high-value accounts, trade credit insurance, probate, and debt purchase.

Underlying operations are delivered through direct enterprise account management, a cloud-based client extranet portal providing real-time case tracking, query management, search, and referral workflows, plus a PCI-DSS compliant online payment portal and digital income-and-expenditure forms for customer-side self-service. International coverage is achieved via the International Credit Exchange (ICE), a 90-office, 130-country partnership network of approximately 3,000 collection professionals founded by CCICM in 2015.

Revenue is generated primarily through contingency or commission fees on successful recoveries (no-win-no-fee on pre-legal and international work), supplemented by fixed-fee ancillary services such as credit reports (with tiered turnaround from 1-3 to 7 working days), tracing, special investigations, and company verification. Pricing is bespoke and quote-based with no setup fees. The firm also earns from litigation, litigation funding, insolvency proceedings, asset search and disposal, outsourced credit management, and debt purchase. No revenue, headcount trend, or ownership data is publicly disclosed; the firm is privately held with no reported institutional investors or M&A activity.

Name

CCI Credit Management

Legal name

CCI Credit Management Ltd

Website

https://ccicm.com

Company type

Private

Founded year

1986

Operating status

Operating

Headcount range

51–100 employees

Short description

CCI Credit Management is a UK-based, FCA-authorised debt collection agency founded in 1986 serving 6,000+ clients across multinationals, government, NHS Hospital Trusts, higher education, and SMEs. It delivers commercial, consumer, and international debt recovery through direct enterprise account management and the ICE partner network spanning 130 countries.

Ownership category

akta.pro rank

Product category

Debt Collection Services

NAICS

Activities Related to Credit Intermediation (5223)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

International & Cross-Border Collections (FSAKAJAO)

Keywords

• Commercial debt recovery
• Consumer debt collection
• International debt recovery
• Trade credit insurance
• Credit management services

Headquarters

HQ city

Porthmadog

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Contingency/Commission Fees: Primary revenue stream based on successful debt recovery. CCICM operates on a 'no-win no-fee' basis for pre-legal and international collections, meaning no fees are charged if recovery is unsuccessful. Commission rates are competitive and agreed upfront with no hidden costs or setup fees.
2. Fixed Fee Services: Certain ancillary services such as credit reports, land registry searches, employment searches, and special investigations are charged at fixed rates. Special investigations start at approximately £150.00 depending on location, requirements, and turnaround time.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

CCI Credit Management provides commercial, consumer, and international debt recovery services on a no-win no-fee contingency basis, alongside sector-specific solutions for healthcare, care homes, higher education, and high-value accounts. The firm complements these core services with ancillary offerings such as litigation, litigation funding, insolvency, asset search and recovery, debtor tracing, credit reporting, company verification, and outsourced credit management, delivered via a proprietary online client extranet portal. International coverage is delivered through the proprietary International Credit Exchange (ICE) partnership network spanning 130 countries.

Product overview

CCI Credit Management (CCICM) offers a comprehensive debt collection and credit management service portfolio. The core offerings include Commercial, Consumer, and International Debt Recovery services, complemented by sector-specific solutions for Healthcare, Care Homes, Higher Education, and High-Value Accounts. The company provides ancillary services including Litigation, Litigation Funding, Insolvency proceedings, Asset Search and Recovery, UK and International Tracing, Credit Reports, Company Verification, Telephone Debtor Verification, and Outsource Credit Management. CCICM also operates self-service client and customer portals for online case management, payment processing, and income/expenditure assessment. The company has founded the International Credit Exchange (ICE) network, a global partnership with 90 offices in 130 countries servicing international collections.

Differentiator

Problem solved

Functional benefit

Brands

• International Credit Exchange (ICE): A global partnership network of debt collection agencies created by CCI Credit Management, spanning 130 countries with 90 partner offices and 3,000 professionals.

Products and services

• Commercial Debt Recovery B2B debt collection service with a specially-trained collections team, helping businesses recover outstanding commercial debts across sectors while preserving customer relationships.
• Consumer Debt Recovery Consumer debt collection service with Treating Customers Fairly at its policy core, fully compliant with consumer credit and FCA regulations.
• International Debt Recovery Global debt collection delivered through the ICE network of 3,000 professionals across 90 offices in 130 countries, providing compliant local-presence collections worldwide.
• High-Value Accounts Recovery Specialist service for resolving complex, high-value commercial disputes using sophisticated strategies to maximise revenue while minimising reputational risk.
• Healthcare Debt Recovery Specialised debt collection for the healthcare sector including NHS Hospital Trusts, Health Boards, and private providers, with unique NHS Information Governance compliance.
• Care Home Debt Recovery Debt collection service for care homes managing relationships between local government, NHS CCGs and the care home sector, with sensitive handling of bereaved customers.
• Trade Credit Insurance Recovery Trade credit insurance claim handling and related debt recovery services for insurers, brokers, and exporters.
• Higher Education Debt Recovery Specialised debt recovery services for universities and higher education institutions for outstanding tuition and institutional receivables.
• Probate Debt Recovery Debt collection service handling probate and estate-related debt matters with sensitivity to bereavement and legal complexity.
• Debt Purchase Purchase of single debts or portfolios nationally and internationally, including rump-end portfolios and insolvent estates.
• Litigation Services Legal representation and dispute resolution services including Alternative Dispute Resolution and Legal & Fiduciary Services for debt recovery matters.
• Litigation Funding No-win no-fee litigation financing for high-value cross-border claims.
• Insolvency Services Formal and informal insolvency proceedings including refinancing, turnaround, liquidation, and bankruptcy applications.
• Accounts Receivable Management Management and recovery of accounts receivable on behalf of businesses.
• Asset Search, Recovery & Disposal Global service for locating, freezing, recovering and remarketing concealed assets including offshore accounts, property investments, and shell companies.
• UK & International Tracing Debtor tracing services in the UK and internationally through in-house teams and trusted overseas networks.
• International Credit Reports International credit reporting service providing operational, financial, legal and historical business information with tiered turnaround (Normal, Express, Super-Fast).
• Company Verification & Validation Due diligence service verifying potential buyers including validation of key contacts, financial information, company details, and consignee relationships.
• Telephone Debtor Verification Telephone-based debtor verification service covering UK and international accounts receivable, commencing within 24 hours of receipt.
• Audit, Survey & Field Examinations On-site field examinations and audits for debt assessment.
• Credit Management Advisory In-depth review and advisory services for credit management optimisation.
• Independent Business & Collateral Reviews UK and overseas business and collateral review services for credit assessment.
• Moratorium Monitoring Monitoring service for corporate insolvency situations under the Corporate Insolvency and Governance Act 2020, focusing on AR performance and debt recovery.
• Outsourced Credit Management Full outsourcing of credit management functions with real-time analytics on customer performance and payment trends.
• Client Online Access Portal Secure online portal providing real-time case information, query management, advanced search, individual case enquiry, task management, user management, and case referral capabilities.
• Online Payment Portal Secure online and 24/7 automated telephone debit card payment portal that is PCI DSS compliant.
• International Credit Exchange (ICE) Network Global partnership network founded by CCICM with 90 offices in 130 countries providing international debt collection, legal services and asset recovery through coordinated local partner capacity.

Quantifiable outcome

• Compliant collections in 130 countries
• +2 more outcomes

Named customers4 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• International Credit Exchange (ICE)coreStrategic or Co-development Partner · 1 January 2015CCICM founded and exclusively represents ICE in the UK. ICE is the world's leading and largest partnership of collection agencies meeting the highest regulatory standards. The network comprises 3,000 professionals in 90 offices across 130 countries, providing mutual referrals and coordinated international debt recovery services.

Scale indicators6 records

Recent moves7 records

Expansion highlights6 records

Broad incumbents

• Intrum: Europe's largest listed credit management company with operations across ~25 markets. A broader incumbent that competes head-on with CCICM for large international mandates while also offering debt purchase and broader financial services.
• EOS Group (Otto Group): Major international debt collection group operating across Europe, North America, and Asia. Directly comparable to CCICM's ICE-style international coverage, but with substantially broader geographic and product breadth.

Direct peers

• Lowell Group: One of the largest UK and European credit management services providers, focused on debt purchasing and contingent collections across consumer and SME segments. Directly comparable to CCICM in UK consumer debt recovery and end-to-end receivables management.
• PRA Group: US-listed global acquirer and servicer of nonperforming loans operating in the US, UK, and Europe. Closely comparable to CCICM on international debt purchase, cross-border collections, and contingency recovery services.
• Cabot Credit Management: Major UK debt purchaser and collector with significant consumer portfolio. Operates similar contingency collections, tracing, and litigation services, and competes with CCICM for UK enterprise and consumer recovery mandates.
• Arrow Global: European credit management and asset management firm focused on NPL portfolios and consumer collections. Directly comparable to CCICM on debt purchase, consumer recovery, and cross-sell into ancillary services.
• Moorcroft Debt Recovery: UK commercial and consumer debt collection agency offering tracing, pre-legal, and litigation services. Closely comparable mid-market UK peer competing for similar commercial and consumer mandates as CCICM.
• Bristow & Orr (B&O Collections): Long-established UK commercial debt recovery firm operating in B2B collections and legal action. Closely comparable mid-market UK peer in commercial collections and SME trade debt recovery.
• 1st Credit (ENGIE): UK utility-focused debt collection agency serving energy, telecoms, and water sectors. Comparable to CCICM on regulated-sector collections, high-volume consumer recovery, and FCA-compliant consumer debt handling.
• Hoist Finance: European specialist in NPL portfolios with a strong UK presence (Hoist Finance UK). Comparable to CCICM on debt purchase, consumer collections, and regulatory-led collections frameworks.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/ccicm_ltd
• LinkedInlinkedin.com/company/cci-credit-management
• Facebookfacebook.com/ccicreditmanagement

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

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 CCI Credit Management