
Who We Are
Since 2013 we have been helping our customers maximise their cash flow and operational effectiveness. In the process, it became evident that uncollected receivables were at the root cause of poor cash flow health. As a result of debtors paying the business ‘a little too late’:
- Businesses have to take up expensive loans to keep running.
- Business profitability diminishes or is rarely achieved.
- Businesses delay payments to suppliers and to employees.
- Businesses suffer from low productivity due to late salaries which lower employee motivation.
VISION:
To be an industry leader recognized for delivering superior client service, innovative technology integration, and strategic solutions while prioritizing the growth and well-being of our clients and their businesses.
MISSION:
To provide high-quality, effective, and innovative solutions to our customers with a primary focus on debt recovery. We are committed to superior client service, exceptional account management, and leveraging cutting-edge technology to ensure client success and stability.
VALUES:
Our values are not 4PR, they guide our every interaction with you and your customers.
- We Are Passionate
- We Are Patient
- We are Perseverant
- We are Persistent
- We Treat You With Respect

WHAT WE DO
Hiring Panuka as your recovery agency can save you time and put cash back into your business. We are effective and strategic in retrieving your B2B accounts receivable. As part of helping clients improve efficiency and develop cashflow health, we offer the following services:
Debt Collection
At Panuka Credit, we specialize in B2B debt collection services tailored to meet the unique needs of our clients.
Consultancy and advisory services
Our operational consulting services are designed to optimize your business processes and improve efficiency.
Testimonials
Discover what our satisfied clients have to say about their experiences partnering with Panuka Credit. Read testimonials from businesses across the country who have benefited from our professional debt collection services, operational consulting expertise, and financial solutions. .
F.A.Q
we address common inquiries about our debt collection services, financial solutions, and more. Here, you'll find answers to questions ranging from our process for recovering overdue receivables to details about our credit counseling and operational consulting services. If you have any queries not covered here, feel free to reach out to our team for personalized assistance.
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What is debt collection?
Debt collection is the process of pursuing payments of debts owed by individuals or businesses. It involves contacting debtors, negotiating payment plans, and taking appropriate actions to recover the outstanding amounts.
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How does debt collection work?
Debt collection typically begins with attempts to contact the debtor via phone, mail, or email to inform them of the debt owed. If initial attempts fail, more aggressive tactics may be employed, including legal action.
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Is debt collection legal?
Yes, debt collection is legal, but it must comply with relevant laws and regulations.
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What types of debts can be collected?
Debt collection agencies typically handle various types of debts, including credit card debt, medical bills, personal loans, utility bills, and more.
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Why should I use a debt collection agency?
Debt collection agencies are experienced professionals who specialize in recovering unpaid debts efficiently. They know how to handle difficult situations tactfully and within legal boundaries. Chasing debts can be time-consuming and distracts from your core business activities. A collection agency allows you to focus on growth while they handle the recovery process.
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How do debt collection agencies get paid?
Debt collection agencies usually operate on a contingency fee basis, meaning they receive a percentage of the amount they successfully recover. This incentivizes them to work diligently to recover debts.
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What should I do if I'm being contacted by a debt collector?
If you're contacted by a debt collector, it's essential to know your rights. Ask for written validation of the debt, verify the debt's accuracy, and understand the options available to you, such as negotiating a payment plan.
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What happens if I ignore a debt collector?
Ignoring a debt collector can lead to escalated collection efforts, including legal action such as lawsuits. It's generally advisable to respond to debt collection attempts and address the debt proactively.
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Can debt collection affect my credit score?
Yes, unpaid debts that are reported to credit bureaus can negatively impact your credit score, making it more challenging to obtain credit in the future and potentially affecting your ability to secure loans or mortgages.
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Can I negotiate with a debt collector?
Yes, debtors can negotiate with debt collectors to settle debts for less than the full amount owed or to establish a payment plan that fits their financial situation. It's often beneficial to reach a mutually agreeable solution rather than allowing the debt to escalate.
Contact Us
Ready to collect your money?
Location:
Thika west building 4th floor room 413, Thika, Kenya
Email:
info@panukacredit.co.ke
Call:
0716450441