Receivables management and distressed credit expertise
VIVA SPA specialises in the acquisition, management, and resolution of non-performing loan portfolios and distressed credit. We recover value where others see only risk — with discipline, transparency, and a methodical approach to every portfolio.
Non-performing loans don't disappear. They need to be resolved.
When loans stop performing, they tie up capital, distort balance sheets, and create uncertainty for creditors and debtors alike. Resolving them requires a specialist — someone who can value a portfolio accurately, manage the recovery process professionally, and treat every debtor file with the care and fairness it deserves. That's the gap we fill.
Activity areas
From acquiring non-performing loan portfolios to managing receivables and restructuring distressed debt, we work across every stage of the credit recovery lifecycle.
NPL portfolio acquisition
We acquire non-performing and unlikely-to-pay loan portfolios from banks, financial institutions, and investors. Each portfolio is assessed rigorously — loan-by-loan, with realistic recovery projections and a clear resolution strategy — before any commitment is made.
- Secured and unsecured portfolios
- Rigorous due diligence and valuation
- Clear resolution strategy per portfolio
Receivables management
Performing and sub-performing receivables need active management to stay healthy and recover efficiently. We handle the full servicing cycle — monitoring, contact, collection, and reporting — giving creditors a professional partner that protects portfolio value over time.
- Monitoring and active contact
- Collection and recovery management
- Transparent reporting to creditors
Distressed debt restructuring
Not every distressed loan is a lost cause. Many borrowers can recover with the right structure — extended terms, adjusted instalments, or a formal composition. We assess each file for restructuring potential and pursue consensual solutions wherever they're viable, preserving value for all parties.
- Viability assessment per debtor file
- Consensual restructuring plans
- Preserves value for creditors and debtors
Judicial & enforcement recovery
When consensual solutions aren't possible, recovery proceeds through the courts. We manage the judicial and enforcement process — from filing to execution — with experienced legal partners, ensuring every action is compliant, efficient, and directed at maximising recovery within the legal framework.
- Court proceedings and enforcement
- Experienced legal partner network
- Fully compliant at every stage
Portfolio servicing & administration
Acquiring a portfolio is only the beginning. We provide full servicing — payment processing, account reconciliation, debtor correspondence, and regulatory reporting — so that every portfolio is managed to the same professional standard from the first contact to the final closure.
- Payment processing and reconciliation
- Debtor correspondence and support
- Regulatory and client reporting
Advisory & portfolio valuation
We advise originators and investors on portfolio valuation, structuring, and disposal strategy. Before a transaction is concluded, we provide detailed analysis — recovery projections, risk assessment, and market context — so decisions are made on solid ground, not on assumptions.
- Portfolio valuation and risk assessment
- Structuring and disposal strategy
- Realistic recovery projections
Principles that guide every portfolio
Recovery is a responsibility — to creditors, to debtors, and to the integrity of the process. These commitments shape how we work on every file.
Rigorous analysis
Every portfolio is assessed file-by-file with realistic recovery projections. We invest in understanding before we invest in acquiring — because disciplined analysis is the foundation of every successful resolution.
Fair debtor treatment
Debtors are people and businesses, not just files. We pursue recovery professionally and respectfully — pursuing consensual solutions wherever viable and treating every interaction with dignity and transparency.
Full compliance
Every action we take sits within the regulatory framework — consumer protection, data privacy, and recovery procedures. Compliance isn't a constraint; it's the standard that makes recovery sustainable.
Methodical execution
Recovery is a long process measured in months and years, not days. We manage every portfolio with disciplined execution — clear milestones, regular reporting, and the patience to let each resolution take the path that maximises value.
Transparent reporting
Creditors and partners receive clear, regular reporting on portfolio performance and recovery progress. No opaque metrics, no selective disclosure — just an honest picture of where things stand and what's ahead.
Specialist focus
We do one thing — receivables and distressed credit — and we do it thoroughly. That focus means deeper expertise, better assessments, and resolution strategies built on genuine understanding of the asset class.
Ready to discuss your portfolio?
Whether you're an originator looking to dispose of receivables or an investor evaluating distressed credit, we'd welcome the conversation.
Start a conversation