Receivables Management Canada partners with financial institutions, lenders, and creditors to acquire and manage nonperforming credit assets, returning essential capital to the markets that drive economic growth.
Explore a PartnershipReceivables Management Canada (RMC) is a privately held acquirer of nonperforming and sub-performing credit assets operating across Canada. We provide liquidity solutions to banks, credit unions, alternative lenders, fintech platforms, and other originators seeking to optimize balance sheet performance.
Our team brings decades of combined experience in credit risk analysis, portfolio valuation, regulatory compliance, and asset resolution. We take a disciplined, data-driven approach to underwriting, ensuring fair outcomes for all stakeholders while delivering consistent returns on acquired portfolios.
RMC operates with the highest standards of regulatory compliance, adhering to all applicable federal and provincial legislation governing the acquisition and management of consumer and commercial receivables in Canada.
RMC acquires a broad range of nonperforming and charged-off receivables across multiple consumer and commercial asset classes.
Unsecured consumer credit portfolios including charged-off credit card receivables, personal lines of credit, and revolving credit facilities from major issuers and alternative lenders.
Fixed-term consumer installment receivables originated by banks, fintech platforms, and alternative lending institutions across a range of credit tiers.
Secured lending receivables including deficiency balances arising from real property dispositions, second-lien positions, and collateral shortfall portfolios.
Deficiency balances and charged-off receivables arising from repossessed or voluntarily surrendered motor vehicles from captive finance companies and independent lenders.
Delinquent and written-off receivables from telecommunications providers, energy utilities, and subscription-based service platforms across Canadian markets.
Charged-off receivables from retail financing programs, commercial trade credit, and B2B lending portfolios originated by institutional and mid-market creditors.
Sub-performing and distressed mezzanine debt, subordinated tranches, and junior capital positions across structured credit facilities and specialty finance vehicles.
Delinquent receivables and overpayment recovery portfolios arising from government programs, municipal services, and crown corporation obligations.
Subrogation and recovery portfolios from property, casualty, and specialty insurance carriers seeking efficient resolution of outstanding claims and recoveries.
RMC applies institutional-grade analytics and rigorous compliance frameworks to every portfolio acquisition.
Proprietary valuation models built on extensive historical performance data enable precise underwriting of nonperforming credit assets across diverse consumer and commercial segments.
We operate within all applicable federal and provincial regulatory frameworks. Our compliance infrastructure is designed to meet the standards expected by institutional sellers and regulators alike.
We work with account holders to find fair, sustainable resolution pathways. Our approach prioritizes transparency, respect, and flexible repayment options that reflect individual circumstances.
We provide a seamless, institutional-grade transaction experience for financial institutions and creditors looking to optimize their nonperforming asset portfolios.
Deep portfolio analytics and extensive market data enable us to deliver competitive bids on nonperforming receivables across asset classes and credit tiers.
Streamlined due diligence processes and dedicated capital allow us to move from bid to close efficiently, typically within 15 to 30 business days for standard portfolio acquisitions.
We understand that your brand reputation extends beyond the point of sale. Our compliant resolution practices protect the reputation of our institutional partners at every stage.
Forward-flow agreements, spot purchases, joint ventures, and co-investment structures tailored to the specific needs and strategic objectives of each selling institution.
Whether you're looking to sell a portfolio or explore a partnership, our team is ready to discuss how RMC can support your objectives.
Our acquisitions team is available to discuss portfolio opportunities, pricing, and partnership structures. We respond to all institutional inquiries within one business day.