What SVEA Collection GmbH does

SVEA Collection GmbH is a German financial services company headquartered in Mainz (Haifa-Allee 28, 55128), operating as the German collection and receivables-management arm of the Swedish Svea Bank AB group, which was founded in Stockholm in 1981. The company is a private GmbH managed by Samir Haj and Jan Baszczawski, and is registered as a debt collection service provider under Section 10(1) No. 1 of the German Legal Services Act (RDG), supervised by the Federal Office of Justice (BfJ). It operates alongside sister entity SVEA GmbH under a common web presence, with both entities ultimately held under the CMS Holding GmbH umbrella and ultimately controlled by the Svea Bank AB group (95% held by Lennart Agren).

The company delivers an integrated suite of four core products: Inkasso (debt collection across pre-litigation, litigation, and post-litigation phases for undisputed claims, with international claims handled via a worldwide network of partner agencies and lawyers); Debitorenmanagement (Order-to-Cash process management including invoicing, dunning, and payment processing, with automated subscription billing); Buy Now Pay Later via the InfinitePay sub-brand (providing 100% default protection for B2C e-commerce up to €10,000 and B2B e-commerce in 30+ countries, with flexible 30–120 day terms); and Titelüberwachungsservice (long-term monitoring of judicially enforceable claims for up to 30 years). The technology backbone is a cloud-based platform with a 24/7 online reporting portal (real-time case status, communication logs, payment tracking, fee billing, and CSV/XLS/DATEV exports), automated workflow engines, and integration points covering API, plugins for Shopware 6, WooCommerce, and Shopify, DATEV native connectivity, and custom ERP integrations.

Revenue is generated through transaction-based fees (success-only commissions on debt recovery, BNPL transaction fees) and subscription/recurring fees for ongoing accounts-receivable-management services, with quote-based custom pricing and no publicly disclosed rates. Customers are distributed horizontally across B2C e-commerce merchants, B2B e-commerce businesses, companies with overdue receivables, and subscription-based businesses in the DACH region and internationally. Marketing and distribution combine direct B2B sales for enterprise mandates with self-serve online portals and e-commerce platform integrations for SMB adoption. Professional affiliations include the Bundesverband Deutscher Inkasso-Unternehmen (BDIU), Bundesverband Credit Management (BvCM), and the International Credit Exchange (ICE).

Name

SVEA Collection GmbH

Legal name

SVEA Collection GmbH

Website

https://svea-collection.de

Company type

Private

Founded year

1981

Operating status

Operating

Headcount range

1–10 employees

Short description

SVEA Collection GmbH is a Mainz-based, RDG-registered German debt collection and accounts-receivable-management subsidiary of Sweden's Svea Bank AB, offering inkasso, debtor management, BNPL via InfinitePay, and title monitoring to B2B and B2C e-commerce merchants across 30+ countries.

Ownership category

akta.pro rank

Product category

Debt Collection and Receivables Management Services

NAICS

Collection Agencies (56144), Collection Agencies (561440)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Third-Party Debt Collection Agencies (Consumer & Commercial) (BPAAAEAB)

akta.pro secondary industries

Early-Stage / Soft Collections (Pre-Delinquency, Reminders) (BPAAAEAC), Legal Collections Support (Pre-Lit, Litigation Admin, Judgment Recovery) (BPAAAEAH), Specialty & Regulated Collections (Medical, Student Loan, Government, HOA) (BPAAAEAJ), International & Cross-Border Collections (FSAKAJAO)

Keywords

• Debt collection services
• Accounts receivable management
• Buy now pay later
• Payment processing solutions
• Order to cash automation

Headquarters

HQ city

Mainz

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Debt Collection Services: Collection fees for pre-litigation, litigation, and post-litigation debt collection of undisputed claims. The company charges success-based fees, only earning commission when debts are actually recovered.
2. Debtor Management Services: Ongoing accounts receivable management including invoice sending, payment processing, dunning, and monitoring. Typically provided as subscription or per-transaction services.
3. Title Monitoring Service: Long-term monitoring of adjudicated claims (up to 30 years) with fees charged only upon successful recovery.
4. Buy Now Pay Later (BNPL) Services: 100% protection against payment defaults for B2C and B2B e-commerce transactions. Revenue generated through transaction fees and payment processing.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

SVEA Collection GmbH provides professional debt collection (Inkasso), accounts receivable management (Debitorenmanagement), and Buy Now Pay Later (BNPL) payment solutions for B2B and B2C e-commerce businesses in Germany. Operating as a registered debt collection service provider under the German Legal Services Act (RDG), the company combines receivables management with financing options and an online portal for real-time reporting.

Product overview

SVEA Collection GmbH operates as a financial services company offering an integrated suite of B2B and B2C payment and receivables management solutions. The portfolio consists of four interconnected core products: (1) Buy Now Pay Later (BNPL) providing payment solutions with 100% default protection, (2) Debitorenmanagement for Order-to-Cash process automation including invoicing and payment processing, (3) Inkasso for comprehensive debt collection services across all phases, and (4) Titelüberwachungsservice for long-term monitoring of judicially enforceable claims. Products are delivered through an online reporting portal with ERP integrations and e-commerce platform plugins (Shopware 6, WooCommerce, Shopify).

Differentiator

Problem solved

Functional benefit

Brands

• InfinitePay: Payment processing platform offering Buy Now Pay Later (BNPL) solutions including purchase on invoice, direct debit, installment payments, and subscriptions for e-commerce businesses.

Products and services

• Inkasso (Debt Collection Services) Licensed debt collection service (Inkasso) operated under the German Legal Services Act (RDG) for businesses seeking professional recovery of overdue receivables. The service is provided on a success-based fee model, so clients pay only when payment is actually recovered.
• Debitorenmanagement (Accounts Receivable Management) End-to-end accounts receivable management (Debitorenmanagement) covering ordering, invoicing, dunning, and payment solutions for B2B and B2C customers. Includes subscription management, payment solutions, and automated order-to-cash processes, supported by an online portal with real-time reporting and DATEV/ERP integration.
• Buy Now Pay Later (BNPL) Buy Now Pay Later payment solution enabling online merchants to offer flexible payment terms to their customers at checkout. Includes B2C BNPL with payment terms up to 30 days and B2B BNPL with flexible payment terms of 30 to 120 days, and integrates with shop systems via API and plugins.
• Titelüberwachungsservice (Title Monitoring Service) Continuous monitoring service for enforcement titles (Titelüberwachungsservice) issued through debt collection, ensuring the claim remains enforceable over time. Sold as a standalone service with success-based pricing.

Quantifiable outcome

• 100% protection against payment defaults
• +3 more outcomes

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature4 records

Partnerships

Four partnerships are on record, tiered core.

• International Credit Exchange (ICE)coreStrategic or Co-development PartnerICE is the largest collection agency network globally. SVEA Collection GmbH is a member, enabling them to process international debt collection claims through local partner agencies that understand local language, legal requirements, and cultural practices.
• Global Network of Inkasso Companies and Law FirmscoreStrategic or Co-development PartnerWorldwide network of debt collection agencies and attorneys enabling rapid realization of foreign claims in compliance with local legal and cultural requirements. Partners operate in their native language and have extensive experience with country-specific legal frameworks.
• SVEA GmbHcoreStrategic or Co-development PartnerRelated company under common ownership (CMS Holding). Both companies share a joint website and collaborate on financial services including payments, debtor management, and collection. SVEA GmbH handles payment services while SVEA Collection GmbH focuses on debt collection.
• CMS Holding GmbHcoreStrategic or Co-development PartnerParent holding company that manages HR and recruitment for affiliated companies including SVEA Collection GmbH and SVEA GmbH. Also hosts the company website.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• PAIR Finance: Berlin-based fintech debt collection company using AI-driven negotiation to maximize recovery rates. Comparable to SVEA Collection's technology-led approach to Inkasso and debtor communication, and a key German competitor targeting digital-first and e-commerce clients.
• Ratepay: Berlin-based BNPL provider for DACH e-commerce, offering invoice, direct debit, installment, and subscription payments with default protection. Directly comparable to SVEA Collection's InfinitePay BNPL offering and competes for the same Shopware/WooCommerce/Shopify merchant integrations.
• Creditreform: Germany's largest credit bureau and a major provider of debt collection, credit information, and receivables management services. Comparable to SVEA Collection on the credit-information and Inkasso side, with deep German SME market penetration and strong regulatory positioning.
• Riverty (formerly Arvato Financial Solutions): German-headquartered financial services provider offering debt collection, receivables management, BNPL, and payment solutions across Europe. Closely comparable to SVEA Collection's integrated portfolio across Inkasso, Debitorenmanagement, and BNPL, and a major competitor in DACH e-commerce.
• EOS Group: One of the largest debt collection service providers in Germany and Europe, offering receivables management across pre-litigation, litigation, and international collection. Directly comparable to SVEA Collection's Inkasso and debtor management offerings, with broader geographic footprint and larger enterprise client base.
• Billie: Berlin-based BNPL provider specializing in B2B transactions, offering pay-on-behalf-of and invoice purchasing for SMBs and enterprises. Comparable to SVEA Collection's B2B side of InfinitePay (30+ country coverage, invoice protection for baskets >100K EUR) and a leading B2B BNPL competitor in DACH.

Broad incumbents

• Klarna: Global BNPL leader headquartered in Stockholm with deep Nordic roots and operations across 25+ countries. Adjacent peer to SVEA Collection's BNPL business — both originate from the same Nordic financial ecosystem — but Klarna operates at vastly greater scale and brand recognition in consumer payments.
• Intrum: Pan-European credit management and debt collection leader with operations across 20+ markets. Comparable to SVEA Collection's cross-border collection and AR management, with a far larger portfolio and broader service lines including credit insurance and investment in defaulted debt.

Regional players

• Collectia: European debt collection agency with presence across multiple EU countries, offering amicable and judicial collection services. Comparable to SVEA Collection's ICE-backed international collection offering, with a similar cross-border collection model though concentrated in CEE/Nordics.

Others

• Bürgel Wirtschaftsinformationen: German credit bureau providing business credit reports, debtor information, and credit-risk data used in collection workflows. Comparable as an enabling data vendor for SVEA Collection's debtor verification and title monitoring services, rather than as a direct competitor in collections.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/cms-collection-gmbh

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 SVEA Collection GmbH