Upstream Group provides an array of comprehensive and compelling services for accounts receivables entering debt rehabilitation or have become part of the debt recovery process. The Group’s services are provided across the debt review and recovery value chain from the debt counsellor and the payment distribution agencies to retailers, lenders and other creditors. The Upstream Group comprises five business units as follows:

• Consumer Friend provides credit providers with specialised business support services within the debt rehabilitation industry, which includes, but is not limited to, debt review.
• Core Connect provides credit providers with cash flow optimisation solutions that unlock value from accounts receivables within the debt recovery process.
• Slipstream provides specialised and customisable CRM/ERP software solutions for debt rehabilitation and debt review process management.
• The Titan Training Academy provides a centre of learning excellence, focused on educating individuals and developing and enhancing specific knowledge and skills within the Credit Industry.
• Vault offers quality assurance and risk services that specifically focus on the debtor rehabilitation and debt review industry.

Fledge invested in April 2023.