ALECTO RESTRUCTURING LTD
SPECIALIST ACQUIRER OF
UK BUSINESS-TO-BUSINESS
COMMERCIAL CREDIT PORTFOLIOS
Alecto Restructuring Ltd operates online under UK law. We acquire non-performing business-to-business commercial credit for our own balance sheet, we accept third-party collection mandates on commission, and we accept a small number of advisory mandates on retainer. Three routes to the same outcome — the obligor pays, and the seller or client is released from the problem.
Apply or enquireWhat we do
Principal acquisition
We buy the receivable outright at a price set against the data tape, settle in cash, and keep what we recover. The seller is released from servicing, reporting and recovery cost on completion.
Contingency collection
The seller retains ownership and the firm is appointed to recover the claim against commission, at the highest rate the underlying contract and English law permit. Nothing is owed unless something is recovered.
Advisory on retainer
A small book of monthly engagements for originators, treasuries and restructuring advisors who need sustained input rather than a transaction. Scope is set in writing at outset. Intake is by application.
Where we operate
Business-to-business only
We transact only in commercial receivables between businesses. We do not acquire, originate, service, collect or advise on consumer credit, regulated lending, or retail customer debt. The boundary is enforced by the firm's articles.
United Kingdom focus
We acquire claims governed by the law of England and Wales, Scotland or Northern Ireland, originated by UK lenders, corporates and institutional sellers. The firm is not FCA-authorised, not PRA-authorised, and not a bank.
Why sellers and clients come to the firm
Sellers come to release capital from non-core or fully-provisioned exposures, to remove operational and reporting burden, and to obtain certainty of completion. Clients come for sustained, independent advice paid for in fixed retainer rather than billed by the hour. The firm commits principal capital, does not syndicate, and operates without broker chains in the negotiation.
- Banks and asset-finance lenders
- Leasing and trade-credit providers
- Telecoms, utilities and B2B service originators
- Insolvency practitioners and administrators
- Restructuring advisors and corporate treasury teams
Counterparties are addressed on a confidential basis. The firm is content to operate under NDA from first contact.