Recover 4-8x More Delinquent Loans
Turn Your "Bad Loans" Into Instant Cash Flow
Without expensive recovery agents. VIDA's automated recovery engine runs 24/7, handling compliance and settlements so you keep growing.
✓ No upfront fees · ✓ Zero risk · ✓ Only pay on recovery
The Default Crisis That's Bleeding You Dry
Every day, lending companies across Africa quietly write off billions in "bad loans." And once a loan hits 90+ days, it's often game over.
Recovery Rates Collapse
Below 10% recovery on 90+ day loans using traditional methods
Manual Agents Burn Time
Expensive resources, budget drain, and reputation risk
Legal Recovery Fails
Costly, delayed, and mostly dead on arrival
💰 What this really means: You're leaving millions in trapped cash that could be fueling your next growth cycle.
Introducing VIDA Recovery
Automated, compliant, and scalable recovery — built for lenders struggling with delinquent loans beyond 60 days.
Upload Your Data
Submit delinquent loan data (60–180 days past due)
AI Verification
VIDA checks real-time bank balances automatically
Smart Deductions
With consented mandates, automatic execution when funds appear
Instant Settlement
Funds instantly back to your account, 24/7
No calls. No agents. No legal noise.
Just silent, compliant, intelligent recovery — running 24/7.
100% Compliant & Secure
All deductions made with customer consent, verified connections.
Instant Settlement
No delays, no middlemen. Money in your account immediately.
₦100M Defaults → ₦40M Recovered
A payday loan lender uploaded ₦100,000,000 in 90+ day delinquent loans.
| Recovery Method | Rate | Amount |
|---|---|---|
| Traditional Agents | ~5% | ₦5,000,000 |
| VIDA Recovery | 40% | ₦40,000,000 |
VIDA Fee (5%)
₦1,700,000
✓ Lender's Net Gain: ₦33,300,000
"VIDA turned our dead loans into cash flow. It felt like finding free money."— Head of Collections, PayDay Loan Lender
Why Top Lenders Choose VIDA Over the Old Way
Traditional Agents
Job Completion
Low (5–10%)
Pain
Expensive, manual, reputation risk
Gain
Limited
Cost
15–25%
Legal Recovery
Job Completion
Very Low
Pain
Long, costly, delayed
Gain
Weak
Cost
₦M+ in legal fees
Write-off
Job Completion
None
Pain
Permanent loss
Gain
None
Cost
Full loan value
VIDA Recovery
Job Completion
High (30%+)
Pain
Low friction, automated
Gain
High ROI
Cost
5% + ₦50/check
Pricing That Protects Your ROI
You pay only for success — not effort. No hidden fees.
Performance Fee
5% of recovered amount
Balance Verification
₦50 per account
Mandate Activation
₦20 per mandate
Automated Engine (optional)
₦6,000 per loan/batch (3 months)
The Math Behind VIDA's Value
Imagine ₦500M in loans written off as "bad."
Even at 30% recovery: ₦150M recovered
Subtract our 5% fee: -₦7.5M
Your net gain: ₦142.5M profit
Ready to See How Much Cash You Can Recover?
Upload your delinquent loan batch today and see how much you can unlock in 30 days — with zero upfront cost.