Non Performing Loans Recovery infrastructure for Central Bank Of Kenya Regulated Lenders
Resolving distressed assets before the auction option.
ResolveIT™ — NPL Resolution Platform
30+ Days Past Due
30+ Days Past Due
Section 90 Notice Served
S90 Notice
Section 96 Notice to Sell
S96 Notice
Auctioneer Redemption Notice
Redemption
Statutory Sale / Auction
Sale/Auction
Escalating Provisions
Watch
3%
provision30–90 days
Substandard
20%
provision91–180 days
Doubtful
100%
provision181–360 days
Watch · 3% provision
Engage distressed borrowers
Settle before Day 180 — before provisions climb to 100% at Doubtful classification.
What better recovery infrastructure delivers.
Recover more
Private treaty resolution before auction consistently recovers 20–35% more value on property-backed NPLs than forced statutory sale.
Recover faster
Digitised notices, automated workflows, and direct borrower engagement close cases in weeks — before costly statutory escalation.
Stay compliant
Every recovery action is timestamped and immutable. CBK examination day is just another day when the audit trail builds itself.
Free capital
Resolving in Substandard holds provisions at 20%. Every case that tips into Doubtful demands 100% provisioning on the net balance.
Private treaty recovers more. Every time.
On a KSh 10 million property-backed NPL, the difference between a forced statutory auction and a compliant private treaty sale is material — in recovery value and in provisioning pressure.
Statutory auction
- Market value
- KSh 10.0M
- Forced sale price
- KSh 7.5M
- Less: auctioneer costs
- −KSh 0.7M
68% of market value
Private treaty
- Market value
- KSh 10.0M
- Agreed sale price
- KSh 9.5M
- Less: legal & commission
- −KSh 0.3M
92% of market value
Illustrative. Actual outcomes vary by asset type and market conditions.
One platform. One timeline. Maximum recovery.
ResolveIT connects the full recovery journey — from statutory notices through private treaty to auction — in a single auditable timeline shared by the lender, borrower, buyer and auctioneer.
DistressIT
Manage statutory notices, borrower engagement, recovery timelines and dual-track workflows from a single workbench.
Explore DistressITPrivate Treaty Sales
Settle NPLs privately with verified buyers and integrated financing from the originating lender — before statutory escalation.
Browse listingsAuctions Marketplace
Run compliant digital auctions with verified bidders, reserve enforcement and auto-generated sale records.
View auctionsBuilt for every stakeholder in recovery.
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
Understand your options, avoid a forced sale, and reach fair resolution with your lender's cooperation.
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.
Regulated. Auditable. Defensible.
Every recovery action is timestamped, immutable, and aligned with Kenya's statutory recovery framework. Built for examination day, not retrofitted.
Modernise recovery before auction.
See how ResolveIT coordinates compliant recovery from notice to settlement — and what that means for your provision exposure.