Core Platform

Self Serve
Empower users to resolve debts independently.
Micro Journeys
Custom tailored flows for quick digital recovery.
Digital Comms
Automated, compliant, multi-channel outreach.

AI Solutions

AI Analytics
PREMIUM
Predictive modeling and recovery insights.
Conversational AI
PREMIUM
Smart virtual agents for automated negotiation.

Collections, Made Digital

We are on a mission to transform debt recovery. By combining cutting-edge technology with a customer-first approach, we help organisations collect more while delivering better experiences.

About DebtStream

DebtStream was founded on the belief that journey design must always start with the customer, and designing through the customer’s lens has been the foundation of our products and services.

Collections, made Digital

DebtStream is a digital ‘self-service’ debt collections platform, enabling any businesses carrying credit, such as lenders, utilities and debt collection agencies, to engage with their customers online under their own brand. Our digital platform enables businesses to help customers in a supportive, non-threatening, or imposing manner.

DebtStream was founded on the belief that journey design must always start with the customer, and designing through the customer’s lens has been the foundation of our products and services.

We specialise in the delivery of exceptional customer experience through our digital products focused on the collections and recoveries sector. Our products and approach has evolved through our significant experience leading the digital transformation across some of the largest DCA’s and Debt Purchasers across Europe.

Trusted by Businesses. Delivering at Scale.

Every year, our platform delivers measurable impact across millions of customer interactions. 

£ 0 M+

in one off payments

0 %

conversion to payment plan

£ 0 M+

in repayment plan value

k

agent hours saved

Our Mission

The traditional collections industry has long been defined by rigid processes, outdated legacy systems, and stressful customer interactions. DebtStream was founded to break this cycle by introducing modern, digital solutions that prioritise human empathy and financial well-being.

Our approach bridges the gap between creditors and consumers through technology. By delivering intuitive, self-service portals, we empower individuals to resolve their commitments on their own terms, restoring dignity and control to the repayment journey.
We believe that financial recovery shouldn’t be complex or intimidating. Through streamlined integrations, advanced automation, and sophisticated data-driven strategy, we are setting a new standard for positive outcomes across the collections ecosystem.

Customer First

We put empathy at the core of recovery, creating frictionless experiences that treat customers with respect.

Innovation

Harnessing modern software and intelligent automation to simplify complex legacy collections workflows.

Trust & Compliance

Rigorous security frameworks and strict regulatory compliance built directly into our platform architecture.

Results Driven

Optimizing recovery rates with intelligent, personalised payment paths that satisfy both creditors and customers.

What's important to us

Helping your customers to take control

Providing your customers with digital self-service options that are personalised, supportive and above all aim to help them to improve their financial situation.

Delivering efficiencies and revenue to our clients

Unlocking digital capability for our clients, creating operational efficiency and increased revenue.

Our Story

Our team has a passion for delivering exceptional customer experience through our products and services.  This passion was born out of many years working in the collections industry, seeing first hand the challenges faced by consumers when dealing with businesses that use outdated, often stressful approaches to collections.

We created DebtStream in 2018 with the aim of building a product that tackled all of the issues we found, for both consumers and businesses, during our time working in collections operations.

We launched our product in March 2020, just as the pandemic hit the UK. 

The pandemic accelerated the need for digital options across all customer interactions,  This was particularly pronounced within collections operations, as traditional call centres struggled to meet an increasing demand through higher levels of arrears coupled with the technical challenges of moving call centres to work from home.

DebtStream is headquartered in Chester in the North West of England 

We are growing fast, onboarding new clients across a variety of sectors from lenders, debt collection agencies and utilities providers.

We love what we do, we won’t stand still and we have an extensive roadmap of new features in development, always with the consumer at the centre of everything we do. asas

Our Story

Our team has a passion for delivering exceptional customer experiences through our products and services.

 

This passion was born out of many years working in the collections industry, seeing first hand the challenges faced by consumers when dealing with businesses that use outdated, often stressful approaches to collections.

 

We created DebtStream in 2018 with the aim of building a product that tackled all of the issues we found, for both consumers and businesses, during our time working in collections operations.

 

We launched our product in March 2020, just as the pandemic hit the UK. 

 

The pandemic accelerated the need for digital options across all customer interactions,  this was particularly pronounced within collections operations, as traditional call centres struggled to meet an increasing demand through higher levels of arrears coupled with the technical challenges of moving call centres to work from home.

 

We are growing fast, onboarding new clients across a variety of sectors from lenders, debt collection agencies and utilities providers.

 

We love what we do, we won’t stand still and we have an extensive roadmap of new features in development, always with the consumer at the centre of everything we do.

Timeline

Inception of Debtstream

We created DebtStream in 2018 with the aim of building a product that provides great experiences for consumers and businesses.

2019

2020

Product Launch

We launched our product in March 2020, just as the pandemic hit the UK.

£1.1 million in funding

We are growing fast, onboarding new clients across a variety of sectors from lenders, debt collection agencies and utilities providers.

2021

2022

Grew our team

To support our growth and new clients coming onboard, we grew the team across engineering, sales, marketing and delivery.

Many more thing to come...

Repensar depois a identidade visual, esse preto fica bem legal na pagina, mas tem que harmonizar com o resto. a identidade tem que ser fixa antes

Second funding round closed

We took on another round of funding to support our continued growth, with our first clients being onboarded outside the U.K across Europe.

2023

2024

New UI Launch

Following the tireless efforts from our team in 2023, at the start of 2024 we launched the latest version of our Self Service platform with our New UI.

Many more thing to come...

We love what we do, we won’t stand still and we have an extensive roadmap of new features in development.

2024

2019
Inception of Debtstream
We created DebtStream in 2018 with the aim of building a product that tackled all of the issues we found, for both consumers and businesses.
2020
Product Launch

We launched our product in March 2020, just as the pandemic hit the UK.

2021
£1.1 milion funding

We are growing fast, onboarding new clients across a variety of sectors from lenders, debt collection agencies and utilities providers.

2022
Many more things to come...

We love what we do, we won’t stand still and we have an extensive roadmap of new features in development.

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March 30
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Inception of Debtstream

We created DebtStream in 2018 with the aim of building a product that tackled all of the issues we found, for both consumers and businesses.

2019

2020

Product Launch

We launched our product in March 2020, just as the pandemic hit the UK.

Awards & Recognition

We love celebrating our achievements, recognising our team’s relentless drive to innovate in the Collections and Recoveries space.  Here are some of our recent awards and recognitions.

£1.1 milion funding

We are growing fast, onboarding new clients across a variety of sectors from lenders, debt collection agencies and utilities providers.

2021

2022

Many more things to come...

We love what we do, we won’t stand still and we have an extensive roadmap of new features in development.

Many more thing to come...

Repensar depois a identidade visual, esse preto fica bem legal na pagina, mas tem que harmonizar com o resto. a identidade tem que ser fixa antes

Leaders, Who Steer Our Ship

The DebtStream team have extensive backgrounds in collections and recoveries with a passion for delivering compelling customer experiences. The team have held a broad spectrum of roles over the years from within collections call centre operations, collections strategy, digital strategy through to UX/UI web design, software development and building software sales teams and strategy.

Investors

With backing from respected venture capital firms, DebtStream is poised for the next big leap.

Ascension Icon

Ascension

Ascension is an early-stage VC built by exited entrepreneurs to back the next generation of tech and impact founders

Fin Capital Icon

Fin Capital

Fin Capital is a full lifecycle global asset manager exclusively focused on FinTech.

Antler Icon

Antler

Antler is the investor backing the world’s most driven founders, from day zero to greatness. Founded on the belief that people innovating is the key to building a better future.

Awards & Recognition

We love celebrating our achievements, recognising our team’s relentless drive to innovate in the Collections and Recoveries space.  Here are some of our recent awards and recognitions.

In the Press

Discover what we’ve been up to

Engaged Tone

412 KB | PDF File

Digitally Yours

720 KB | PDF File

CICM Magazine

476 KB | PDF File

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OUR MISSION

Empowering pathways to absolute financial clarity.

At DebtStream, we believe debt shouldn’t dictate your future. By combining automated real-time tracking, intuitive planning, and institutional-grade security, we create an accessible stream toward total financial independence.

Customer First

We design every tool and feature around your financial health, ensuring intuitive paths to become debt-free.

Innovation

Pioneering smart algorithms and real-time streams to make debt refinancing and planning effortless.

Trust & Compliance

Operating with bank-grade security and absolute transparency, so your data and progress are always safe.

Results Driven

Focused on tangible savings. We track every dollar saved to prove real, measurable progress toward freedom.

Collections, Made Digital

Redefining customer-centric Collections & Recoveries solutions, driven by digital innovation.

By submitting this form, you agree to hear from DebtStream about our products and services (as per our terms and conditions and privacy policy). You can unsubscribe at any time.

By submitting this form, you agree to receive promotional messages from DebtStream about its products and services (as per our terms and conditions and privacy policy). You can unsubscribe at any time by clicking on the link at the bottom of our emails.

Collections, Made Digital

Redefining customer-centric Collections & Recoveries solutions, driven by digital innovation.

By submitting this form, you agree to hear from DebtStream about our products and services (as per our terms and conditions and privacy policy).  You can unsubscribe at any time.

Read our case study

By submitting this form, you agree to receive promotional messages from DebtStream about its products and services (as per our terms and conditions and privacy policy). You can unsubscribe at any time by clicking on the link at the bottom of our emails.