Our services

B2 Impact offers distressed debt solutions to both debtors and creditors alike

Debt purchase

B2 has built strong relationships with financial institutions and other large corporate vendors in the Czech Republic. The number of completed transactions of non-performing loans (NPLs) as well as the scale of the Group’s operations both guarantee efficient and professional management of any transaction. B2 has the necessary know-how, servicing and financial capacity to take over loans of all types including corporate, SME, individual mortgages, and unsecured consumer loans which have become non-performing, allowing financial institutions to go forward in a healthier financial condition.  Vendors are also kept at ease knowing that the collections methods adopted by B2 adhere to the highest of ethical standards with the overall objective being amicable resolutions with individual debtors.

Hands holding documents
Hands holding documents

Debt collection

B2 puts maximum effort on creating payment plans that are in-line with the debtors financial debt servicing capability. We offer tailored collection strategies which depend on the nature of the debt and individual analysis of the debtors situation. We help the debtors to get back on track and restart their lives as debt-free consumers. We also use flexible approaches to restructuring the obligations providing considerable benefits to the debtors. Regardless of the collection strategy used, the most important principles are compliance with ethical and moral standards, protection of our partners and vendors reputation, and respect of debtors rights.

Man and woman sitt around a table talking in an office
Man and woman sitt around a table talking in an office

Our offering to financial institutions

  • Immediate liquidity with favorable conditions
  • Fresh capital funds for new investments
  • Minimization of reputational risk of vendors
  • The ability to focus fully on your core business, which frees up valuable financial, human, informational and other resources
  • Good cooperation with debtors, respecting for their financial situation and striving to find the best solution for both sides

Our offering to debtors

  • Flexible approach
  • Focus on amicable solutions rather than taking legal actions
  • The new payment plan in-line with their debt servicing capabilities
  • The possibility of writing-off a portion of penalty interest or other charges
  • Discounts on existing debts in special situations


Your debt was transferred through a purchase of your claim by B2 Impact which was agreed upon by your credit lending institution.  As such, your counterparty in determining your debt resolution is B2 Impact.

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B2 Impact will make any and all provisions for the handling of special situations which involve disabled or disadvantaged debtors to find the right solution which takes into consideration the specific circumstances of the individual debtor.

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There are no additional fees or expenses which have arisen due to the transfer of your claim to B2 Impact per se; however, we should note that should the resolution of your claim involve legal processes such legal and court-related expenses will be ultimately borne by the debtor.

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Your arrangement with B2 Impact is specific to the claims that were transferred by your original lending institution.  Resolution of your debt position and the status of your account with your original lending institution are two independent issues.

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It is very possible that there may be some residual costs or expenses related to the resolution of your overdue claims that will continue to be due after the closure of your account or loan.  Such costs and expenses will be in-line with whatever original agreement was made with your original lending institution.  Furthermore, any legal collection costs or fees incurred in the process of resolving your claim will be added to your account.


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Transfer of financial claims/Cession

Transfer of financial claims/Cession goes from a previous creditor to a new creditor, whereas the claim and the debtor remain the same. Possible legal grounds for the cession are contract, law act and court decision.

Enforcement proceedings

Enforcement proceeding is a proceeding in which a creditor achieves their claim through court or a public notary. Enforcement request can be sent based on valid authentic documents enforcement documents.


A debtor is a person who has contractual obligation towards a creditor.


Creditor is a obligatory relations party authorized by the other party (debtor) to demand certain rights, doing or not doing something or to waive something from the other party (debtor). It is a two-way relation in which both parties have rights and obligations.


Obligation of a natural person or a legal entity (debtor) to pay something (usually money) to the other party or creditor.


Interest is a charge in money for borrowed amount which is paid by the borrower to the lender. Interest rate is reflected in percentage and it is considered the price of money or capital which the borrower or the debtor is paying for using borrowed money or capital.

Default interest

Default interest is a sanction for a debtor who is late with fulfilling their monetary obligations, the interest rate is prescribed by related law acts. Creditor is entitled to the default interest regardless if there had been any damage to them due to debtors delay.