Collections Cloud vs Debt Manager
Collections Cloud
collectionscloud.org
Debt Manager
crsoftware.comSide by side
| Figure | Collections Cloud | Debt Manager |
|---|---|---|
| Price from | £39/mo | — |
| Free plan | — | — |
| Free trial | Yes | — |
| Open source | — | — |
| Web | Yes | Yes |
| API | Yes | — |
| Self-hosted | — | Yes |
| Plans published | 4 | 0 |
| Spec score · Debt Collection Software | 8.8 (#1) | 7.1 (#19) |
| Founded | 2025 | 1984 |
| Headquarters | Conwy Business Centre, Junction Way, Llandudno Junction, Conwy, LL31 9XX, United Kingdom | Fairfax, Virginia, USA |
| Integrations | Named accounting integrations and partners include Xero, QuickBooks, Sage, IRIS, Caspio and Microsoft. | The platform supports standard APIs for real-time integrations, batch interfaces, and ETL capabilities. |
| Purpose | Collections Cloud provides UK SMEs with credit control and debt recovery tools, including a CRM, automated workflows, compliant documents and legal escalation support. | Debt Manager manages the collections lifecycle from pre-delinquency through legal recovery. |
| Target users | The service is aimed at UK sole traders, micro-businesses, SMEs, accountants, credit controllers and organisations handling overdue invoices. | C&R describes it as software for banks, lenders, and enterprise collections teams. |
Plans
Collections Cloud
- Level 1 – BASIC£39 a month
- Level 2 – PLUS£99 a month
- Level 3 – BUSINESS£199 a month
- Level 4 – ENTERPRISEPriced on request
In their own words
Collections Cloud
Collections Cloud is a web-based credit control and debt recovery platform for UK SMEs. It combines case records, automated reminders and communications, business credit reports, tracing requests, and escalation through recovery, legal action, and enforcement. Case records can hold debtor details, balances, fees, interest, payment arrangements, tasks, communications, documents, and case history. Credit reports include ratings, scores, recommended limits, financial summaries, group structures, beneficial owners, and CCJs. Tracing requests can use names, aliases, phone numbers, dates of birth, and last known addresses to help locate and verify people. Listed integrations or partners include Xero, Sage, IRIS, QuickBooks, Red Flag Alert, Caspio, and Microsoft. Plans begin at £39 a month plus VAT for BASIC, with five live cases, one user, and up to 1,000 records. PLUS is £99 a month plus VAT, and BUSINESS is £199 a month plus VAT. A free trial is available, but there is no free plan. Some mailing, SMS, and legal escalation costs may be additional depending on plan.
Debt Manager
Debt Manager is collections software for banks, lenders, enterprise collections teams, and growing fintechs. It covers work from pre-collection through charge-off and recovery, including account routing, customer outreach, payment processing, compliance controls, and third-party placement and reporting. Payment functions include allocation across accounts and financial buckets by configured sequences or percentages, as well as settlement offers, schedules, and account adjustments. Business users can change workflows, queues, rules, and user experiences through the interface without custom code. FitLogic supports portfolio segmentation, rule-based workflows, scorecards, testing, and simulation. Integration options include more than 1,000 published REST APIs, real-time callout services, and XML batch imports and exports. Debt Manager can be deployed on-premises or as SaaS through C&R Cloud in partnership with AWS. C&R states that the product is certified for ISO 27001, SOC 2, and PCI-DSS, and that it logs actions on customer records, including automated decisions. Pricing is on request.