Private Capital Recovery.

Get Back What’s Rightfully Yours.

We recover non-performing capital for private credit funds, hard money & bridge lenders, private business lenders, individual lenders, and angel investors.

Zero Risk. Zero hidden fees. Success fee only. We don’t get paid until you do.

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TRUSTED PARTNER FOR

Private Credit Funds

Hard Money & Bridge Lenders

Private Business Lenders

Angel Investors & Individual Lenders

Private Credit Funds • Hard Money & Bridge Lenders • Private Business Lenders • Angel Investors & Individual Lenders •

What We Do

We handle the entire process of locating, contacting, negotiating, and recovering funds on your behalf — while maintaining professionalism, compliance, and lender reputation.

Our Core Services

  • Borrower contact & strategic negotiation

  • Skip tracing & asset profiling

  • Lump-sum settlements

  • Repayment plan creation

  • Legal escalation preparation

  • Documentation & reporting

  • Sensitive relationship management

Strategic always. Aggressive when necessary.

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Why Partner With Us

We are a specialized private-capital recovery operator, built specifically for lenders who need fast decisive action when a borrower stops paying.

We operate with one simple rule:
No Recovery = No Fee

We Focus Exclusively on Private Capital

Our work is limited to private credit and alternative finance, allowing for sharper strategy, faster decisions, and higher recoveries.

We do not engage in consumer debt or mass-market collections.

Discreet & Controlled Process

We apply pressure without damaging your reputation.


Every interaction is deliberate, documented, and designed to achieve maximum recovery while protecting lender relationships.

Strategic Resolution, Not Noise

Our objective is recovery — not endless back-and-forth.

We focus on lump-sum settlements or short-duration repayment structures that put capital back in your account quickly.

High-Touch Execution

You work directly with the Principal managing your case from start to resolution.

No call centers.
No outsourcing.

Immediate Borrower Engagement

Time kills recoverability.

Borrower engagement begins promptly, with structured follow-ups and escalation when necessary to break silence and drive resolution.

Nationwide Reach, Consistent Standards

We operate nationally with a consistent, repeatable recovery process, allowing lenders to place files across markets without operational friction.

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Our Process

We follow a disciplined, reliable recovery framework designed to maximize speed, leverage, and results.

1 Case Submission

You submit loan details and supporting documentation through our secure intake form.
We review the structure, payment history, borrower behavior, and available leverage.

2 Assessment & Strategy

We evaluate:

  • Collectability

  • Borrower financial posture

  • Asset exposure

  • Urgency level
    and determine the most effective recovery path.

Each case receives a clear strategy before borrower engagement begins.

3 Borrower Contact

We initiate firm, direct communication designed to break silence, re-establish contact, and move the file toward resolution.

Outreach is persistent, and controlled.

4 Negotiation & Escalation

We prioritize:

  • Lump-sum settlements

  • Accelerated repayment structures

When necessary, we escalate pressure strategically — without theatrics — to compel compliance and shorten resolution timelines.

5 Resolution

We recover your funds and remit them to you promptly.
Our contingency-fee is earned only upon recovery.

No recovery = No cost

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What We Recover

We Serve

Private Credit Funds

Hard Money & Bridge Lenders

Private Business Lenders

Angel Investors & Individual Lenders

We Recover

  • Term loans

  • Bridge loans

  • Hard money real estate loans

  • Business loans (secured + unsecured)

  • Revenue-based financing

  • Equipment financing defaults

  • Promissory notes

  • Convertible notes

  • SAFE/early-stage investor defaults

  • Angel investor loans & notes

  • Private individual loans & notes

  • Balloon payments

  • Settlement agreements gone silent

  • Joint-venture repayment disputes

  • Commercial credit facilities

Silence, excuses, broken terms, endless “restructures” — whatever the blockage is, we break it and get your capital flowing back.

No Retainers

No Upfront Cost

No Commitment

• No Retainers • No Upfront Cost • No Commitment

Submit a Case for Recovery

Confidential, encrypted, and reviewed only by the Principal. Never shared, sold, or distributed.

Questions or urgent cases?

info@mercurial-capital.com

(917)-727-5774