Attorneys · South Africa

Legal partner to South Africa's business finance providers.

Karsten Incorporated acts exclusively for business financing companies that provide secured and unsecured financing to South Africa's SMEs. Understanding the speed, volume and commercial context in which our clients operate, we manage their legal recoveries and implement legal systems that scale as their business grows.

What we do

01

Debt Recovery

Structured, high-volume recovery of defaulted business loans — from letters of demand to judgment and execution.

02

Asset-Backed Finance

Security, cession and pledge documentation, and enforcement against assets.

03

Insolvency

Protecting creditor positions in business rescue, liquidation and sequestration proceedings of individuals who signed personal suretyship agreements.

04

In-House Legal Support

Templates, credit agreements, processes and training that strengthen your internal legal function.

Our approach

A structured, cost-effective approach.

We offer our clients an alternative, cost-effective approach to debt recovery and to the implementation of tailor-made legal solutions that integrate with our clients' business.

Every debtor handed over to us undergoes an individual assessment to ascertain the current financial position of the debtor and the likelihood of a successful recovery. We apply a unique action plan designed to secure payment as early as possible after handover.

Our philosophy

You focus on financing. We handle the legal work.

Our clients' expertise lies in financing businesses, not in managing legal processes. Every hour and every Rand spent internally on legal recoveries carries a real opportunity cost: resources that could be directed towards growing their business and serving their clients.

We take the legal side, including debt recovery, off our clients' hands entirely. This allows our clients to concentrate on what they do best, increasing their productivity and supporting the growth of their business.

A financing business is only as strong as the legal team and processes that back it up. We provide that foundation, so our clients can do business with confidence and mitigate its risk.

Data & insight

Recovery data that informs your lending.

We provide our clients with comprehensive data and reporting on every aspect of the recovery process, giving full visibility over each matter handed over to us.

This insight helps our clients understand their debtors better, and supports better-informed decisions across their business.

Each client has access to our client portal, where every matter can be tracked live. Our clients are given full transparency on every handover, from the handover date to the returning of the file to our clients.

Trusted by

Pollen Finance

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