Hoist Finance

What Hoist Finance does

Hoist Finance AB (publ) is a Swedish-domiciled, publicly listed credit market company supervised by the Swedish Financial Supervisory Authority (Finansinspektionen), focused on the acquisition and management of non-performing credit portfolios across Europe. Its core operation is institutional: it purchases distressed debt books from international banks and financial institutions and works them through long-term, sustainable instalment plans offered to consumers and SMEs, with the stated objective of converting non-performing debt into performing debt. The firm's 25+ year operating history and pan-European positioning are the primary claims around its institutional franchise.

The company operates a multi-brand structure in the United Kingdom following the 2022 sale of its UK operating entities to Lowell Financial Limited. Hoist retains a financial stake in select UK debtor portfolios, while account servicing and data processing for those portfolios are handled by Lowell and, from 31 March 2026, by Moorcroft Debt Recovery Limited for legacy closed accounts. A UK Branch in Salford (MediaCityUK) employs 40+ staff covering IT, Operations, Business Strategy, Investments, and Digital functions, and is positioned as a functional bridge between European group operations and UK credit markets rather than as a standalone originator or servicer. Revenue is generated through portfolio acquisition and recovery economics — effectively transaction-fee style income tied to the value of portfolios under management — though no specific revenue, pricing, or contract-value figures are disclosed in the available data.

Name

Hoist Finance

Legal name

Hoist Finance AB (publ)

Website

https://hoistfinance.co.uk

Company type

Public

Founded year

2012

Operating status

Operating

Headcount range

1–10 employees

Short description

Hoist Finance AB (publ) is a Swedish-regulated, publicly listed buyer and manager of non-performing credit portfolios across Europe, serving international banks as its primary counterparty and partnering with Lowell and Moorcroft in the UK for residual account servicing.

Ownership category

akta.pro rank

Product category

Debt Portfolio Management

NAICS

Credit Intermediation and Related Activities (522)

akta.pro primary industry

Debt Buying & Portfolio Acquisition (Charged-Off Receivables) (FSAKAJAC)

akta.pro secondary industries

Non-Performing Loan (NPL) / Loan Portfolio Acquisition Funds (FSANAKAG), Debt Buying / Portfolio Acquisition & Recovery (Debt Purchasers) (BPAAAEAG)

Keywords

• Debt portfolio management
• Non-performing loans
• Credit management services
• Debt acquisition
• Consumer debt servicing

Headquarters

HQ city

Salfords

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Non-Performing Credit Portfolio Acquisition: Hoist Finance acquires non-performing credit portfolios from international banks and financial institutions. Revenue is generated through the acquisition and subsequent management of these debt portfolios, working to convert non-performing debt to performing debt through sustainable installment plans.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels2 records

Core offering

Hoist Finance acquires non-performing credit portfolios from international banks and financial institutions across Europe and manages them through structured repayment arrangements. The company converts distressed debt into performing debt by establishing sustainable installment plans with the underlying debtors (consumers and SMEs). It operates as an authorised credit market company under the Swedish Financial Supervisory Authority.

Product overview

Hoist Finance operates as a pan-European debt portfolio investor and asset manager. The core offering consists of acquiring non-performing credit portfolios from banks and financial institutions, and managing them through consumer debt repayment plans that convert non-performing debt to performing debt. The company has a multi-brand structure in the UK: its primary UK operations are conducted through a partnership with Lowell, while legacy accounts are serviced by Moorcroft Debt Recovery. The UK team of 40+ employees supports the wider European group with expertise spanning IT, Operations, Business Strategy, Investments, and Digital functions.

Differentiator

Problem solved

Functional benefit

Products and services

• Debt Portfolio Acquisition & Management

Segments2 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Partnerships

Two partnerships are on record, tiered core.

• Moorcroft Debt Recovery LimitedcoreStrategic or Co-development Partner · 31 March 2026Moorcroft has taken over administration of queries for legacy Hoist accounts excluded from Lowell's acquisition, effective 31 March 2026. Moorcroft processes personal data strictly in accordance with Hoist Finance's instructions for these closed accounts, which carry no outstanding balances. Queries relate to removal of historic charging orders connected to impending property sales.
• Lowell Financial LimitedcoreStrategic or Co-development Partner · 1 January 2022Hoist Finance collaborates with Lowell in the UK for debt management services. Following Hoist's sale of UK entities to Lowell in 2022, Lowell now manages customer account queries on behalf of Hoist Finance. Hoist Finance retains a financial stake in some debtor portfolios in the UK while Lowell handles the operational management and data processing for these accounts.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Axactor ASA: Norway-listed pan-European debt purchaser and servicer operating in markets including Germany, Spain, Italy, and the Nordics. Comparable to Hoist Finance on cross-border NPL acquisition strategy and consumer debt servicing.
• EOS Group: German-headquartered pan-European debt purchaser and financial services provider owned by Otto Group. Directly comparable in business model (NPL acquisition from banks, consumer debt servicing across European geographies).
• Marston Holdings: UK-based debt recovery and enforcement group with significant exposure to UK consumer and public-sector debt. Comparable to Hoist Finance on UK-focused consumer debt servicing and portfolio acquisition from financial institutions.
• Lowell Group: Major UK and European debt purchaser and servicer that acquired Hoist Finance's UK operating entities in 2022 and now services Hoist's residual UK portfolios. Closely comparable on product (NPL acquisition + servicing) and customer segment.
• B2Holding ASA: Norway-listed NPL investor and servicer operating across multiple European countries. Comparable to Hoist Finance on portfolio acquisition strategy, distressed debt focus, and pan-European platform.
• Kruk SA: Poland-listed NPL specialist with operations across several European markets including Italy, Spain, and Romania. Closely comparable to Hoist Finance on cross-border NPL purchasing and consumer debt management model.
• Intrum AB: Sweden-headquartered, Nasdaq Stockholm-listed credit management company and one of the largest NPL purchasers and servicers in Europe. Directly comparable to Hoist Finance on geography, business model, and target customer base of European banks and consumers.
• Arrow Group: UK and European debt purchaser and servicer, owned by TPG. Directly comparable to Hoist Finance on NPL portfolio acquisition from banks and consumer-facing debt servicing in the UK and Southern Europe.

Broad incumbents

• PRA Group: US-listed (Nasdaq) global NPL purchaser with significant UK and European operations. Comparable to Hoist Finance on core NPL acquisition model and consumer collections capability, though broader geographic footprint.
• Encore Capital Group: US-listed (Nasdaq) global NPL purchaser, parent of Cabot Credit Management in the UK. Comparable to Hoist Finance on portfolio acquisition from financial institutions and consumer debt servicing across Europe.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights5 records

Customer concentration

• Xx.com/hoistfinance
• LinkedInlinkedin.com/company/hoist-finance-uk-limited

Compliance1 record

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 Hoist Finance