Turn unpaid business debt into cash.
If a Canadian business owes you money, PCI may buy the claim directly. An indicative offer can convert a long collection, litigation, or insolvency administration timeline into present liquidity.
Claim holders across the commercial market
Suppliers and service providers
Commercial lenders
Employees owed wages
Landlords
Insolvency professionals
Portfolio sellers
Claims we consider
PCI reviews each submission individually based on the obligation, debtor, documentation, and current status.
- 01Unpaid commercial invoices and trade claims
- 02Secured and unsecured business loans
- 03Wage and lease arrears
- 04Single-name claims
- 05Multi-claim and lender portfolios
- 06Claims at different stages of default, negotiation, or enforcement
A direct path from claim review to payment
Tell us what is owed
Provide basic information about the claim or portfolio.
Confidential review
PCI reviews the debtor, documentation, and current status.
Indicative offer
Claims that fit receive proposed commercial terms from PCI.
Assignment and payment
Complete the transfer and receive the agreed consideration.
Why sell to PCI?
Liquidity
Turn an uncertain future recovery into a negotiated present payment.
Clean exit
Transfer the claim and conclude your collection mandate.
Flexible underwriting
PCI considers operating value, strategic recovery options, and liquidation proceeds.
See how claim acquisition can support a clean creditor exit.
Get an offer
Share the headline information about your claim. PCI will review the submission and contact you directly about fit and next steps.
Most people can complete this initial form in about two minutes.
Common claim questions
What claims does PCI purchase?
PCI considers unpaid commercial invoices, secured and unsecured business loans, wage and lease arrears, single-name claims, and commercial debt portfolios involving Canadian businesses.
Do I need a court judgment?
PCI can review the underlying obligation and available documentation. A judgment may form part of the file when one exists.
Can I sell one claim?
Yes. PCI reviews individual claims as well as portfolios.
Does PCI purchase portfolios?
Yes. Lenders, professional advisers, and other claim holders can submit multi-claim portfolios for review.
Can PCI consider part of a claim?
Partial-claim structures may be considered based on the obligation, documentation, and commercial context.
What documentation will PCI request?
The review may include contracts, invoices, loan agreements, account statements, payment records, correspondence, and any collection or court filings.
How quickly can a straightforward claim be reviewed?
Review timing depends on the completeness of the documents and the claim context. PCI will explain the next steps after the initial submission.