Collection House Group

What Collection House Group does

Collection House Limited (ASX: CLH), operating as Collection House Group, is one of Australia's largest end-to-end receivables management companies and a wholly-owned subsidiary of Credit Corp Group. Founded in 1992/1994 and ASX-listed since 2000, the company provides first-party and third-party contingent debt collection, business process outsourcing, hardship management, and legal and insolvency services to enterprise clients across banking, finance, insurance, BNPL, government, utilities, telco, health and education, and e-commerce. Named enterprise clients include Bank of Queensland (since 2011), Suncorp (5+ years), and Burdekin Shire Council. Operations span Australia (Brisbane headquarters, Sydney, Melbourne, Traralgon), New Zealand (Auckland, via the 2019 Receivables Management NZ acquisition), and the Philippines (Manila), employing 750+ people.

The platform is built on proprietary collection systems with workflow-based account actioning, call recording and monitoring, PCI DSS-compliant payment gateways and IVR solutions, plus a Chief Data Scientist-led analytics stack supporting digital and omnichannel (voice, digital, traditional) engagement. Subsidiary structure comprises CLH Lawyers (legal and insolvency), Midstate CreditCollect and MCC Legal (regional Victorian operations), Lion Finance (ASIC Australia Credit Licence 388689), and ACM Group's acquired Purchase Debt Ledger. Quality and compliance frameworks are anchored by ISO 9001 certification, Australian Credit Licence 388442, and AFCA membership.

The business model combines transaction-fee revenue (contingent collections and BPO managed services) with multi-year enterprise contracts. The group's commercial trajectory has been disrupted by a 2020 trading suspension, a successful April 2022 recapitalisation, the appointment of voluntary administrators on 1 July 2022, and execution of a Deed of Company Arrangement on 21 September 2022; operations continue under Credit Corp Group ownership.

Name

Collection House Group

Legal name

Collection House Limited

Website

https://collectionhouse.com.au

Company type

Public

Founded year

1994

Operating status

Operating

Headcount range

11–50 employees

Short description

Collection House Limited (ASX: CLH), a Credit Corp Group subsidiary, is an Australian end-to-end receivables management company providing contingent debt collection, BPO, hardship management, and legal services to enterprise clients across banking, insurance, government, and utilities in Australia, New Zealand, and the Philippines.

Ownership category

akta.pro rank

Product category

Debt Collection Services

NAICS

Collection Agencies (561440), Collection Agencies (56144)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Third-Party Collection Agencies (Consumer) (FSAKAJAB)

akta.pro secondary industries

Debt Buying / Portfolio Acquisition & Recovery (Debt Purchasers) (BPAAAEAG), Specialty & Regulated Collections (Medical, Student Loan, Government, HOA) (BPAAAEAJ), Utilities/Telecom & Other Non-Financial Receivables Collections (FSAKAJAN)

Keywords

• Receivables management
• Debt collection services
• Business process outsourcing
• Credit management solutions
• Commercial debt recovery

Headquarters

HQ city

Brisbane

HQ country

Australia

HQ region

Oceania

Offices6 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Third-Party Contingent Collection: Collection services performed on behalf of clients (creditors) where fees are contingent on successful recovery of debts. This includes major Australian and international financial institutions, companies, and government entities.
2. First-Party Collection Services: Direct collection arrangements where Collection House manages receivables for their own portfolio or as part of the Credit Corp Group.
3. Business Process Outsourcing: Outsourced support style contracts providing business process outsourcing solutions to clients.
4. Legal and Insolvency Services: CLH Lawyers subsidiary offers commercial legal recovery and insolvency services.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Collection House provides end-to-end receivables management services for enterprise creditors, including first-party and third-party contingent debt collection, full strategic outsource of receivables books, business process outsourcing, hardship management for vulnerable customers, and commercial legal recovery and insolvency services through its CLH Lawyers subsidiary. The company also offers credit services through Lion Finance and regional collection services through Midstate CreditCollect and MCC Legal, delivering outcomes across voice, digital and traditional engagement channels.

Product overview

Collection House Group operates as a unified platform offering end-to-end receivables management services across the entire credit lifecycle. The core offering consists of Receivables & Arrangement Book Management (full strategic outsource), Business Process Outsourcing, and Hardship Management services, supported by Learning and Development (via Collective Learning and Development RTO) and Quality Compliance & Evaluation. The company also offers legal and insolvency services through its CLH Lawyers subsidiary, credit services through Lion Finance, and regional collection services through Midstate CreditCollect and MCC Legal. The product portfolio spans first-party and third-party contingent collection arrangements and outsourced support contracts across voice, digital and traditional engagement channels, serving industries including Health and Education, Banking/Finance/Insurance/BNPL, Commercial/Retail/B2B, Government, Utilities/Telco, and E-commerce/Payment Processing.

Differentiator

Problem solved

Functional benefit

Products and services

• Receivables & Arrangement Book Management End-to-end receivables management strategic outsource service for organisations, delivering debt collection and recovery operations under first-party and third-party contingent arrangements across voice, digital and traditional engagement channels.
• Business Process Outsourcing Outsourced support-style contracts that provide business process outsourcing solutions to enterprise clients, helping them achieve business and customer goals while delivering a seamless customer experience across collection operations.
• CLH Lawyers Legal and Insolvency Services Commercial legal recovery and insolvency services offered through Collection House's wholly-owned CLH Lawyers subsidiary, supporting debt recovery and legal action for enterprise clients.
• Lion Finance Credit Services Credit services offered through a finance subsidiary under ASIC Australia Credit Licence number 388689, operating as part of Credit Corp Group.
• Midstate CreditCollect Regional Collections Regional debt collection services operated in Victoria, Australia under ASIC Australia Credit Licence number 388573 through a wholly-owned subsidiary.
• MCC Legal Services Legal recovery services provided through a Melbourne-based wholly-owned legal services subsidiary.

Quantifiable outcome

• Rate arrears more than halved for Burdekin Shire Council since 2017 engagement
• +1 more outcomes

Named customers3 records

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Way Forward Debt SolutionscoreStrategic or Co-development PartnerIndustry-first partnership to increase external support pathways for customers experiencing hardship or vulnerability. Way Forward is a not-for-profit organisation that helps people facing long-term financial difficulty manage their debts at no cost.
• St Vincent de Paul QueenslandminorStrategic or Co-development PartnerCommunity partnership with St Vincent de Paul Queensland involving clothing collection drives, offering training facilities for learning and strategy planning, and CEO Sleepout participation for homelessness services.
• Community Housing ProvidersminorStrategic or Co-development PartnerNew partnerships with community welfare organisations including community housing providers to support vulnerable customers.
• Domestic Family Violence Support ServicesminorStrategic or Co-development PartnerPartnerships with domestic family violence support services to provide comprehensive customer solutions and support pathways.
• Credit Corp GroupcoreOthersCollection House is a subsidiary of Credit Corp Group. Founded in 1994, Collection House operates as part of the Credit Corp Group of companies.

Scale indicators5 records

Recent moves8 records

Expansion highlights6 records

Broad incumbents

• Credit Corp Group: Direct parent company and Australia's leading publicly listed debt buyer and receivables manager. Operates a much larger and broader receivables management platform spanning consumer lending, debt purchase, and collections across Australia, NZ, and the US. Directly comparable business model but at materially larger scale.
• PRA Group (Portfolio Recovery Associates): US-listed global debt buyer and collector with operations across North America, Europe, and Australia (via PRA Australasia). Comparable business model spanning debt purchase and contingent collections, relevant for benchmarking Collection House's ACM-acquired debt-ledger operations.
• Intrum: Europe-based global leader in credit management and debt collection services operating across 20+ markets. Comparable end-to-end receivables management offering but at significantly larger scale and geographic diversification, serving as a benchmark for industry best practices and digital collection capabilities.
• Illion (formerly Dun & Bradstreet Australia): Australia and NZ credit bureau, data analytics, and receivables management provider. Competes with Collection House through commercial and consumer credit reporting plus debt recovery services, with broader data and analytics capabilities.

Regional players

• Arrow Global: UK and European credit management and asset purchase firm (now part of TPG). Chairman Leigh Berkley previously served as Director of External Affairs at Arrow Global, indicating direct operational and strategic overlap with Collection House's model and leadership DNA.
• EOS Solutions (Australia): Australia and NZ arm of German-listed EOS Group, providing receivables management and debt collection services to enterprise and government clients. Directly comparable service portfolio with global backing providing capital and technology advantages over Collection House.
• Tasman Receivables Management: Australian receivables management company providing debt recovery and credit management services primarily to Australian enterprise clients. Comparable service scope with similar enterprise sales motion and vertical concentration in banking and government.

Direct peers

• Recoveries Corporation: Australian specialist debt recovery and legal collections firm focused on commercial, insurance, and government sectors. Comparable mid-size Australian competitor with overlapping customer base and contingent collection business model.
• Probe Group: Australian receivables management and BPO provider offering first-party and third-party collections, customer contact, and back-office services to enterprise clients. Directly competes with Collection House in Australian banking, government, and utilities verticals with comparable end-to-end receivables proposition.
• Baycorp (Receivables Management): Trans-Tasman receivables management and debt collection operator with operations across Australia and New Zealand. Directly competes with Collection House across NZ and Australian enterprise customers with similar contingent and first-party collection services.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/collection-house

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Subsidiaries6 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Collection House Group