How to sell a debt in the UK: the complete step-by-step guide
Selling a debt is the fastest way to turn an unpaid invoice into cash. We explain step by step how a debt sale works in the UK, what documents you need and how to set a price that attracts buyers.
7 mistakes when selling a debt (and how to avoid them)
Selling a debt is simple, but a few mistakes can delay the sale or sink the price. Here are the seven most common ones.
Sell the debt or wait for court: the real cost of time
A lawsuit can take years and does not guarantee payment. We compare that wait with selling the debt now.
Unpaid promissory notes and bills of exchange: turning them into cash
It is not only invoices that can be sold: unpaid promissory notes and bills of exchange are debts that investors find especially a…
Statute-barred debt in the UK: the 6-year rule and how it affects selling
A debt does not last forever. The Limitation Act 1980 sets a clock that, once it runs out, can leave a receivable worth nothing. W…
County Court Judgments explained: getting, enforcing and selling a CCJ debt
A CCJ turns a disputed invoice into an enforceable court order. We explain how to obtain one, the enforcement options it unlocks, …
Assignment vs factoring vs invoice finance: which is right for your business
Three ways to turn receivables into cash, but they solve different problems. We compare selling a debt outright, factoring and inv…
B2B late payment in the UK: your rights and how to turn arrears into cash
Late payment is the tax on doing business in Britain. We set out your statutory rights to interest and compensation, and how to co…
Service charge arrears: selling the debt of non-paying leaseholders
Unpaid service charges and major works bills are the big problem of residents’ management companies. Selling the receivable is a l…
Rent arrears: how to sell the debt owed by your tenant
For landlords, eviction is usually only half the battle: the debt remains. Selling the tenant’s rent arrears recovers part of the …
Tax implications of selling debts in the UK: what you should know
Selling a debt below its face value has tax consequences worth knowing: deductibility of the loss, VAT bad debt relief and the tre…
What documents do you need to sell a debt (and which are worth most)
No paperwork, no market: documentation is the first thing a debt buyer looks at. A complete list of valid documents, ranked by the…
Debt with a CCJ vs without court proceedings: which sells better?
Sue first or sell straight away? We analyse how court proceedings affect the value of a debt, what buyers prefer and when each str…
Selling a debt portfolio: a guide for businesses with many unpaid accounts
Portfolio sales are how banks and utilities clean up their balance sheets — and they are within reach of small businesses too. How…
Buying debt as an investment: returns, risks and how to start
Buying distressed receivables at deep discounts is a classic of alternative investing. We explain the debt buyer business model an…
Selling a personal debt: unpaid loans between individuals
Private loans that end in non-payment also have a way out: selling the receivable. What counts as evidence (bank transfers, WhatsA…
Selling unpaid invoices: the alternative to debt collection for businesses
Late payment suffocates the cash flow of small businesses. Selling unpaid invoices turns a stubborn problem into immediate liquidi…
How much is my debt worth? Setting the right sale price
What discount should I apply to sell my debt? These are the factors professional buyers use to value a receivable: debtor solvency…
Assignment of debt: the legal basis for selling debts in the UK
Behind every debt sale is a well-established legal concept: the assignment of debt. We look at legal and equitable assignments, no…