Credit servicing for non-performing loan portfolios in Finland and Sweden
CapFore manages bank-originated, unsecured consumer NPL portfolios on behalf of the institutions that own them. We handle the portfolio across the full recovery cycle: sourcing, due diligence, data migration, collection, legal enforcement and reporting. We do not invest in portfolios ourselves. Our institutional capital partners provide the capital and hold the position.
What this means for the seller
A higher price for the same portfolio. A bid is capped by what the portfolio will cost to collect. Ours costs less, so more of the recovery value goes into the price instead of into servicing fees.
No conflict of interest. CapFore does not buy portfolios. We are not a competing bidder in a process we are also advising on.
Our own technology. Data analysis, portfolio transfer and collection all run on a platform CapFore built and owns. Automation handles the routine work at each step, which is what keeps the cost of servicing low.
One counterparty across the Nordics. Finnish and Swedish portfolios run through the same team and the same process, with Norway from early 2027. A seller operating in more than one market does not need a separate counterparty in each.
Regulated servicing. We operate under the EU Credit Servicers Directive, with documented complaint handling and a full audit trail on every account.
Borrower treatment. How a portfolio is collected reflects on the seller long after the sale. Conduct standards are part of the mandate.
Our servicing platform
Sourcing, pricing analysis, due diligence, data migration, collection, enforcement and reporting run on a single platform. The intellectual property is owned by CapFore and the system was built to our own specification.
Owned technology. The platform is ours, not a licensed third-party product.
Pricing and analytics. Long-term cash-flow modelling supports every valuation, and each serviced portfolio improves the model.
Data migration. Migration is continuous platform integration rather than a single handover at closing.
Reporting. Real-time reporting and a complete audit trail for every stakeholder.
Authorisation. CapFore Oy is authorised as a credit servicer by Finanssivalvonta, the Finnish Financial Supervisory Authority, under Directive (EU) 2021/2167. We are separately registered as a debt collection operator with the Regional State Administrative Agency of Finland, which regulates collection activity itself.
Sweden. Our Finnish authorisation is passported into Sweden under the directive, with Finansinspektionen as host-state supervisor. No separate Swedish licence is required.
Governance. Compliance, reporting and risk controls are built to the standard expected of a regulated banking counterparty, and have been reviewed in full institutional due diligence.
Data protection. Portfolio data is processed under the GDPR, with documented retention rules, access controls and a named data protection contact.
Borrower protection. Documented complaint handling and payment arrangement policies, with a full audit trail on every account. Seller-specific conduct requirements can be built into the servicing mandate.
We operate in the following countries
Capfore serves its customers across the Nordic and Baltic countries. We will expand our operations into Central Europe during 2027.