B2 Impact operates as a trusted partner in receivables management, covering the entire collections process, from amicable, flexible, and customer-oriented solutions to legal procedures and enforcement, when the situation requires it.
We are a financial services company specialising in the management of performing and non-performing receivables, acting as a servicing operator for institutional partners and investors. The servicing is end-to-end, from portfolio onboarding through to recovery, based on strategies tailored to the type of receivable and the debtor profile.
We place strong emphasis on fair and balanced communication and pursue amicable solutions whenever possible, in order to achieve predictable and sustainable results.
For visibility and control, we provide regular and transparent reporting, so that our partners have a complete view of the performance of the managed portfolio.
B2 Impact has built stable and important relationships with financial institutions and large corporate vendors in Romania, and the experience gained through transactions involving non-performing loan (NPL) portfolios supports an efficient and professional management of the process.
We have the know-how, servicing capabilities, and the financial resources required to take over all types of loans that have become non-performing, including corporate loans, SME loans, individual mortgage loans, and unsecured consumer loans.
For financial institutions, the acquisition of NPL portfolios can support liquidity generation and a healthier financial position, through a responsibly managed process.
The collection methods used comply with high ethical standards, and the objective remains identifying amicable solutions in the relationship with individual debtors.
In the NPL portfolio acquisition process, we start with a structured assessment of the portfolio and of the quality of the available data. We analyse segmentation based on days past due (DPD), product type, the existence of collateral, and collection history, in order to build a well-founded offer.
In practice, NPL portfolio pricing is supported by data and a realistic understanding of recovery potential, while due diligence covers both the documentation and the consistency and completeness of the data sets provided.
In portfolio management, our approach starts with flexibility and amicable solutions. Where the situation allows, we work together with debtors to establish a payment plan aligned with their actual repayment capacity, with the objective of stabilising the payment relationship and supporting recovery in a responsible manner.
In a collections context, this approach may also mean debt restructuring by recalibrating timelines and payment terms, when the solution is sustainable.
In practice, amicable solutions may include:
When amicable solutions are not sufficient, we use the applicable legal instruments, including legal proceedings and enforcement. We act in strict compliance with the legislative framework and the Group’s ethical standards, with constant attention to our partners’ reputation.
Through the expertise accumulated at the B2 Impact Group level, we also manage portfolios of secured receivables, including corporate and mortgage loans. The recovery of this type of receivable requires a structured approach that combines amicable solutions with legal instruments when necessary, with the objective of efficiently enforcing collateral and maximising recovery, in strict compliance with the legal framework and ethical standards.
We combine European know-how and standardised processes with modern technology, enabling an efficient and controllable process. Partners choose B2 Impact for predictability, compliance, and transparency in reporting, as well as for our ability to protect the creditor’s reputation by maintaining responsible communication with debtors.
