A Smarter Alternative to Traditional Collections!
At NCP, we provide an innovative alternative to the traditional collections process, one that maximizes creditor ROI, improves borrower engagement, and aligns with best practices for regulatory compliance. Our Creditor Default Servicing & Reconciliation Compliance program is designed specifically for early-stage defaults, offering lenders a proactive solution that reduces legal expenses, preserves customer relationships, and ensures adherence to reconciliation clauses.
Many lenders expend the cost of internally staffing a collections team, or rely on third-party collections agencies for legal action, when a borrower defaults. However, these traditional approaches can be costly, time-consuming and yield lower recovery rates, especially when a business is still operational but struggling. Our program provides a structured, mediation-based approach that helps borrowers meet their obligations while increasing lenders chances of full repayment.
Many MCA agreements contain a reconciliation clause, allowing borrowers to adjust payments based on revenue changes. However, these clauses are often vague and difficult to enforce in legal disputes. Our program provides a structured process for reconciliation, demonstrating good-faith efforts to resolve defaults, before legal escalation.
With growing regulatory scrutiny on Merchant Cash Advances and Small Business Lending, proactive reconciliation efforts are becoming essential. By integrating Creditor Default Servicing & Reconciliation Compliance, lenders strengthen their position, recover more from defaulted accounts, and prepare for an evolving regulatory landscape.
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