DLC

What DLC does

DLC is a UK-based Business Process Outsourcing (BPO) company specialising in debt recovery, credit control, invoice management, and accounts receivable management services. Founded in 1992 and headquartered in Telford, the company serves blue-chip financial services and motor finance organisations, managing both Consumer and Commercial customers across regulated and unregulated financial products. DLC's service portfolio spans the full receivables lifecycle — from Early Arrears through Post-Default and into Litigation — delivered via contact centre operations, back-office financial services, and a fully hosted collections system supporting multiple customer engagement channels.

The company operates as a private subsidiary of Cabot Credit Management Group Limited, having been acquired in 2015. DLC is regulated as an appointed representative of Wescot Credit Services Ltd under the Financial Conduct Authority's regulatory framework (Cabot group FCA firm reference number: 677910), and is a member of the UK's Credit Services Association. Its go-to-market is enterprise field sales targeting large financial institutions and motor finance companies for outsourced receivables management contracts. Revenue is generated through managed-services BPO arrangements, though specific pricing and contract values are not publicly disclosed. With 251-500 employees, DLC operates exclusively in the United Kingdom market and functions as one operational unit within a broader receivables management group that also includes Cabot Financial UK, Mortimer Clarke Solicitors, Wescot Credit Services, Orbit, and international subsidiaries in Ireland, France, Spain, and Portugal.

Name

DLC

Legal name

Cabot Credit Management Group Limited

Website

https://dlcuk.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

251–500 employees

Short description

DLC is a UK-based BPO company specialising in debt recovery, credit control, invoice management, and accounts receivable management for blue-chip financial services and motor finance companies, operating as a subsidiary of Cabot Credit Management Group since 2015.

Ownership category

akta.pro rank

Headquarters

HQ city

Telford

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. BPO/Outsourcing Services: DLC generates revenue through providing Business Process Outsourcing services including Contact Centre and Back Office financial services to blue-chip organisations. Services include Invoice Management, Credit Control and Receivable Management. Revenue is derived from contracted outsourcing arrangements with financial services and motor finance companies.

Go-to-market motion1 record

Distribution channels1 record

Core offering

DLC is a Business Process Outsourcing company offering Contact Centre and Back Office financial services to blue-chip organisations, specialising in Invoice Management, Credit Control, and Receivable Management. The company provides a fully hosted Collections system capability spanning Early Arrears through Post-Default and into Litigation, engaging customers through multiple channels. Services are delivered on behalf of financial services and motor finance companies managing Consumer and Commercial customers across regulated and unregulated financial products.

Product overview

DLC is a Business Process Outsourcing (BPO) company offering a unified portfolio of financial services rather than a modular platform. The company provides an integrated suite of services including Contact Centre and Back Office operations, Invoice Management, Credit Control, and Receivable Management. DLC operates a fully hosted Collections system capability spanning Early Arrears through Post-Default and into Litigation, engaging customers through multiple channels. These services are delivered to financial services and motor finance companies managing Consumer and Commercial customers across both regulated and unregulated financial products.

Differentiator

Problem solved

Functional benefit

Products and services

• Invoice Management Invoice management services offered as part of DLC's Business Process Outsourcing offering to blue-chip organisations managing Consumer and Commercial customers.
• Credit Control Credit control services managing Consumer and Commercial customers across regulated and unregulated financial products for financial services and motor finance clients.
• Receivable Management Receivable management services provided to financial services and motor finance companies, helping clients realise their financial objectives while ensuring balanced and appropriate outcomes for customers.
• Contact Centre Services Contact centre financial services delivered to blue-chip organisations, engaging customers through multiple channels across the collections lifecycle.
• Back Office Financial Services Back office financial services supporting accounts receivable processes from Early Arrears management through Post-Default and Litigation stages.

Segments2 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Three partnerships are on record, tiered core and minor.

• Cabot Credit Management GroupcoreOthersDLC was acquired by Cabot Credit Management Group in 2015. Being part of one of the UK's largest receivables management groups ensures DLC brings together its tailored operational functions with the core strengths and capabilities of both Wescot and the wider Cabot group.
• Wescot Credit Services LtdcoreStrategic or Co-development PartnerDLC is regulated as an appointed representative of Wescot Credit Services Ltd under the Financial Conduct Authority's regulatory structure. DLC benefits from Wescot's capabilities as part of the wider Cabot group.
• Credit Services AssociationminorOthersDLC is a member of the UK's Credit Services Association, an industry body for credit services companies.

Scale indicators1 record

Recent moves3 records

Expansion highlights3 records

Direct peers

• Wescot Credit Services: Sibling entity within the Cabot group providing consumer debt collections and related services in the UK. Directly comparable in target market, regulatory standing, and collections capability, and acts as DLC's appointed representative principal for FCA authorization.
• Lowell Group: One of the UK's largest credit management businesses, purchasing and collecting consumer debt on behalf of financial services clients. Closely comparable to DLC's receivable management and collections services, competing for the same blue-chip enterprise mandates.
• Arrow Global Group: European credit management and asset management business (now part of Intrum) operating across UK and continental Europe with debt purchase and third-party collections services. Comparable to DLC in collections model, target clients, and end-to-end servicing capability.
• Marston Holdings: UK-based enforcement and receivables management group providing debt recovery, trace, and investigation services. Directly comparable to DLC across regulated debt recovery, BPO back office functions, and financial services client base.
• Mortimer Clarke Solicitors: Sibling entity within the Cabot group providing legal services including debt recovery litigation. Directly comparable as part of DLC's end-to-end collections capability spanning into Litigation, serving the same client base.
• Cabot Financial UK: Direct sibling entity under Cabot Credit Management Group offering consumer debt purchase and collections services in the UK. Operates within the same parent group and targets overlapping blue-chip financial services clients with complementary collections capabilities.

Broad incumbents

• Intrum AB: One of the largest European credit management companies offering debt collection, debt purchasing, and related services across multiple geographies. Comparable as a broad incumbent with overlapping BPO-style servicing capabilities, though larger and more diversified than DLC.
• Capita plc: Large UK business process outsourcer providing contact centre, back office, and collections services across multiple sectors including financial services. Comparable as a broad BPO incumbent with overlapping contact centre and back office financial services capabilities, though diversified across many verticals.
• PRA Group (PRA Group Holdings): US-listed global acquirer and servicer of consumer nonperforming loans with significant UK operations. Comparable in collections and receivable management services for financial services clients, though operates at a much larger scale and primarily on purchased debt portfolios.

Regional players

• Hoist Finance: European specialist in non-performing loan management with UK operations offering debt purchase and servicing. Comparable in collections capability and financial services client base, but primarily operates in continental Europe rather than the UK domestic market.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

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 DLC