30+ Creditworx Collecting debt, creating cash flow. Leading the way in the debt collection industry. Sub Saharan reach

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5 Creditworx Collecting debt, creating cash flow NBA Part of the Nimble Group, a BBBEE Level 1, 3 and 4 contributor Leading the way in the debt collection industry More than 30 years experience in debt collection 30+ Sub Saharan reach A high-tech self-service online portal for clients Over 1,800 in the Nimble Group, with many 1000 s of prestigious clients and growing!

6 Creditworx Credit Environment Reviews Taking action quickly, protecting your business Our specialised corporate advisory, receivables management, collections and recovery team, can be quickly deployed to assess accounts receivable environments

7 Creditworx quick action, managing risk

8 Creditworx Corporate and Consumer Collections Your partner throughout the recovery cycle Creditworx can augment the right collections strategy for your business.

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10 Creditworx Receivables Management Solutions Countering bad debt, strategically Recovering debt is critical for the financial stability of any company, but it can prove time consuming and costly. By outsourcing the management of your debtors book to a Receivables Management expert, you can reduce costs and increase cash flow

11 Creditworx The Receivables Management specialists You provide the goods and services to your customers, and we recover the outstanding payments on your behalf.

12 The Creditworx approach to collec

13 tions and debt management

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15 1. Receivables Management saving you time and money Our experience over many years has shown us that our clients, the incidental credit grantors, do not have all the tools to effectively manage workflows and their credit processing teams. That s why they use outsourced services. In each case, we will: Thoroughly investigate the Receivables Management environment Ensure that we are able to manage the receivables more effectively than you can to increase recoveries Confirm that we can deliver the service at a lower cost to you

16 2. Soft Collections protecting your client relationship, getting debtors back on track Our aim at this early stage is to rehabilitate the debtor to ensure that they will maintain a positive credit profile with the credit grantor. We engage with customers in early-stage arrears via telephone and SMS: Matching debtors files with credit bureau scores Providing a state-of-the-art call centre facility which ensures that we are able to easily contact debtors Creating creative calling and SMS campaigns which are tailored to the credit grantor. 3. Late Collections minimising your losses The focus shifts from protecting and rehabilitating client relationships to minimising losses. We risk grade debtors according to their propensity and ability to pay We then set about implementing the most appropriate and cost effective collection strategy The process of tracing debtors is crucial in order to initiate recovery efforts

17 4. Debt Purchasing giving you back capital to grow Removing the risk of bad debt and gaining immediate funding is valuable to all types of business. We offer transactional solutions to accelerate the recovery process. Debt disposals will help your business to: Convert idle assets into cash Terminate future costs in managing delinquent assets

18 Creditworx Delivering value to our clients We have a diverse and loyal client base which we are proud to be associated with.

19 Creditworx Our commitment to our clients We aim to recover written-off debts or arrears debtors in a cost effective way We protect our clients brand We help debtors to re-enter the credit market if appropriate Creditworx offers a wide range of credit service solutions for both the corporate and consumer markets, through the collection of high and low value arrears and written off accounts.

20 Nimble Group Our corporate profile Creditworx, Norman Bissett & Associates and Nimble Collections Services are wholly owned subsidiaries of the Nimble Group. Collectively, this stable of business provides an extensive range of specialist services in credit management. Receivables Management should be a critical part of any business strategy. Creditworx has an excellent reputation coupled with many years of experience bourne out by our extensive client list. We are able to tailor our solutions based on your specific requirements in South Africa, Namibia, Botswana, Ghana and Kenya.

21 Contact us today to see how we can add value to your business and help to improve your cash flow. Visit our website for more information at or contact your local office: SOUTH AFRICA Cape Town Brickfield Call Centre 35 Brickfield Road Woodstock 7925 Private Bag X1 Woodstock, 7915 Johannesburg 140 Daisy Street (cnrgrayston Drive) Strathavon Sandton 2196 Johannesburg Sandton Place Block B 68 Wierda Road East Wierda Valley, Sandton 2146 PO Box 31624, Braamfontein, JHB, 2017 Durban Office 304A 3rd Floor, Clifton Place 19 Hurst Grove Musgrave, 4001 Tel Call Centre Fax info@nimblegroup.co.za Tel Fax info@nimblegroup.co.za Tel Fax info@nimblegroup.com Tel info@nimblegroup.co.za AFRICA Namibia Norman Bissett & Associates 4th Floor, City Central Levinson Arcade Independence Ave Windhoek 9000 Botswana Norman Bissett & Associates 1st Floor, Professional House Segoditshane Way, Botswana Building, Society Mall, Broadhurst Gabarone 0999 Ghana 7th Otswe Link Nyaniba Estates Osu Ghana Kenya Nairobi Mogotio Road 4th Floor Tower A, Reliable Towers Nairobi, Kenya Tel Fax info@nimblegroup.co.za Tel Fax info@nimblegroup.co.za Tel Fax info@nimblegroup.co.za Tel info@nimblegroup.co.za

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