Our Vision, Mission and Values


Clients will value Transaction Capital Recoveries as an independent empowered, collaborative partner, operating as a performance driven, professionally managed credit management solutions business, which adheres to the highest standards of legal compliance, governance and ethics.

Debtors will regard Transaction Capital Recoveries as a firm but fair spokesperson of the company or organisation with which they incurred the debt.

Employees will regard Transaction Capital Recoveries as a favoured employer in the credit management services industry, providing attractive performance oriented career prospects and equitable extrinsic and intrinsic rewards.

Shareholders will regard Transaction Capital Recoveries as a niched investment, providing self-funded organic growth and superior sustainable returns.

Regulatory and statutory authorities will regard Transaction Capital Recoveries as a patriotic South African company, compliant with the letter and spirit of all laws, regulations and standards.

The community will regard Transaction Capital Recoveries as a compassionate South African company, which plays a small but effective part in the selected development of underprivileged citizens.


Founded in 1997, Transaction Capital Recoveries is an independent, internationally-rated Southern African leader in credit management solutions, predominant in the collection of pre-charge off, charge off and distressed debt; utilising proprietary intellectual property developed to deliver effective process dependent strategies, through an innovative use of data, telephony, information technology and human capital management; to manage the portfolios of large reputable credit providers and encourage debtors to enhance their credit status.

We rely on professional, expert management and employees to uphold the highest standards of strategic awareness, asset and expense control, corporate governance, legal compliance and ethics to position the company as a large volume, high capacity and rapid response provider of credit solutions to a broad range of clients.

We regard our association with all stakeholders and particularly clients, as a mutually beneficial partnership founded on trust, integrity and performance.


We value INTEGRITY before all else.
Integrity goes beyond complying with the law and company policy, to having strong moral principles which inform decisions and actions with regard to families, friends, business colleagues, clients, customers and the company.

We value RESPECT for all who come into our lives.
Respect means that we treat everyone we meet in the same way that we would like to be treated. It requires an understanding and appreciation of diversity, and is especially important given South Africa’s history of discrimination.

We value COMPETENCE as the foundation of personal and corporate progress.
Competence is more than just knowing how to do the task we are employed for; it comes from knowing that we have taken the time to prepare ourselves for the next challenge in our development and careers.

We value INNOVATION as the solution to every challenge or problem we will face.
Innovation helps us to keep ahead of our competitors, overcome challenges, deal with new and difficult situations, and discover new ways to solve problems for our company, our clients and ourselves.