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ResolveITResolveIT
Recovery infrastructure for distressed assets

Resolve NPLs before auction — Recover More Value, Earlier and in Compliance.

For regulated lenders burdened by tedious NPL recovery, rising provisions and compliance risks, ResolveIT™ digitises notices, engages borrowers and orchestrates private-treaty deals — transforming a paper-heavy process into a transparent, capital-freeing and compliant workflow.

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CBK-alignedImmutable recordsBorrower consentExamination-ready
01Day 0
NPL identified
02Days 1–90
Statutory notices
03Days 30–120
Borrower engagement
04Days 60–150
Private treaty
05Days 90–180
Settlement
06Day 180+
Auction (if needed)
Provision exposureCBK Prudential Guideline
20% — Substandard50% — Doubtful100% — Loss
The opportunity

Private treaty recovers more, faster.

Kenyan law allows private treaty resolution before statutory auction. Done right, it closes faster, recovers more value, and leaves a cleaner compliance trail — for lenders, borrowers and regulators alike.

Substandard31–90 days
20%provision

Early classification triggers capital reserves. Most institutions still operate on paper at this stage — losing precious days where private resolution remains viable.

Doubtful91–180 days
50%provision

Provisions double and recovery options narrow. Borrower engagement is often inconsistent, and audit trails fragment across emails, spreadsheets and physical files.

Loss181+ days
100%provision

Full provisioning forces statutory escalation. Auctions follow, often at forced-sale pricing, and the cost of compliance documentation rises sharply.

  • More capital reserved as provisions climb.
  • Lower recovery outcomes the longer NPLs age.
  • Greater compliance exposure at every stage.
Platform

One recovery platform. Three operational layers.

ResolveIT separates the recovery problem into three modules that share a common compliance fabric — so every notice, consent, offer and bid lives in one auditable timeline.

Recovery operations & compliance

DistressIT

Manage statutory notices, borrower engagement, recovery timelines and dual-track workflows from a single workbench.

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Pre-auction resolution

PrivateTreaty.co.ke

Settle NPLs privately with verified buyers and integrated financing from the originating lender — before statutory escalation.

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Statutory auction execution

AuctionIT.co.ke

Run compliant digital auctions with verified bidders, reserve enforcement and auto-generated sale records.

View auctions
Shared infrastructureImmutable audit trailBorrower consent recordsTimestamped actionsExamination-ready exports
Lifecycle

Built around the recovery lifecycle.

From identification through archive, ResolveIT orchestrates each stage with compliance controls, recorded consent, and real-time visibility — no parallel spreadsheets, no email chains, no lost paperwork.

  1. 01
    Identification

    Risk classification and NPL onboarding from lender systems.

  2. 02
    Notices

    90-day, 40-day and statutory notices generated and tracked.

  3. 03
    Borrower engagement

    Transparent communication, appeals, and recorded consent.

  4. 04
    Private treaty

    Verified buyers, negotiated offers, financing options.

  5. 05
    Settlement

    Auto-generated agreements, case closure, lender reconciliation.

  6. 06
    Auction escalation

    Compliant digital auction with reserve enforcement.

  7. 07
    Recovery archive

    Immutable case file, exportable for audit or court.

Who it's for

Built for the recovery ecosystem.

Distressed-asset recovery touches every stakeholder. ResolveIT serves each with the visibility, controls, and assurances they need to participate with confidence.

Lenders

Reduce provision exposure. Accelerate recoveries. Maintain examination-ready records.

Borrowers

Transparent recovery coordination, documented consent, and fair-value resolution.

Buyers

Verified distressed opportunities with clear provenance and financing options.

Auctioneers

Digitised statutory auctions with bidder verification and reserve enforcement.

Regulators

Immutable, audit-ready records aligned with the statutory recovery framework.

Compliance & governance

Regulated. Auditable. Defensible.

Every recovery action is timestamped, immutable, and aligned with Kenya's statutory recovery framework. Built for examination day, not retrofitted.

Compliant
CBK Prudential Guidelines
Risk classification, provisioning, recovery timelines
Compliant
Land Act
Charge enforcement, statutory notices, transfer
Compliant
Auctioneers Act
Licensed practice, reserve enforcement, advertising
Compliant
Chattels Transfer Act
Movable collateral handling and registration
Compliant
Data Protection Act
Consent, lawful basis, data subject rights
Compliant
Financial Consumer Protection
Disclosure, fairness, complaints handling
Read the compliance brief
Category

Infrastructure for modern distressed-asset recovery.

ResolveIT is not a marketplace. It is the connective infrastructure between lenders, borrowers, buyers, auctioneers and regulators — coordinating compliant action where recovery used to fragment.

Lenders
Borrowers
Buyers
Auctioneers
Regulators
Coordination layer
Workflows that bind statutory steps, consent, and counterparty action into one auditable timeline.
Trust layer
Immutable records, identity verification, and a compliance fabric that survives examination.
Reach layer
National buyer network and financing rails that broaden the path to fair resolution.
Get started

Modernise recovery before auction.

See how ResolveIT coordinates compliant recovery from notice to settlement — and what that means for your provision exposure.

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