About Us

We are Ko-bolt

and we’re on a mission to reduce bad debt and late payment.


Because we believe that no business should suffer as a result of late payment or bad debt.


We blend decades of experience and expertise with product innovation, technology application and an ethos which puts the customer at the heart of everything we do.


We exist to ensure that businesses have the right tools to tackle late payment and reduce bad debt.

Our Ethos

Ko-bolt is an award winning debt recovery company which specialises in getting suppliers paid quickly by making use of the latest technology whilst putting the buyer-supplier relationship at the heart of everything we do. We call it debt resolution.

The first of its kind, our email tracking software lets us see when an email has been sent, delivered and more importantly, how many times it’s opened. This technology enables us to tailor our approach to your customer based on our analysis of the data. We aim to immediately open up a dialogue with the customer to give them the tools they need to talk. 

We empathise with the customer and we encourage them to work with us to find a resolution, we focus on expediting payment by offering expert advice and support on improving their cash flow and to reduce bad debt so that they can pay quickly, and the buyer-supplier relationship can be maintained. 

Our approach

Our debt collection process focuses on the buyer-supplier relationship. As a result, you can expect swift recovery and the opportunity to engage in future trade.

The environment

Traditional debt collection uses vast amounts of paper in the onboarding, debt placement and the collection processes. As a result of our email first policy, we reduce the use of paper and the carbon footprint that traditional post creates.


We use specialist email tracking software which allows us to see when an email has been sent, delivered, opened and more importantly how many times, influencing how we approach the customer for payment.

Our Background

Ko-bolt was founded in 2020 by Karl Hague. Karl has spent his career in the credit insurance and collections sector, providing certainty in the form of credit insurance through to risk mitigation via debt recovery and collections. Using data analysis and AI, Ko-bolts’ aim for the future is to bring together what he describes as the three pillars of credit risk; risk prevention, risk management and risk mitigation.

"In a world where late payment is considered normal, our mission is to ensure that suppliers have the right tools to reduce their days sales outstanding, manage their cash flow and protect themselves from the risk of bad debt.

There's a cliff edge approaching when the furlough scheme comes to an end, and businesses will be making difficult decisions about who they can afford to bring back. I have been talking to a number of business leaders about this and it's clear that if it's a choice between sales and credit control, it's sales that will win - after all, without sales there are no problems for credit control to solve. This creates a hole in resources and when late payment inevitably increases, there will be no-one there to manage the process and bad debt levels will increase.

I believe the commercial debt collection industry needs to change. We need to help businesses to overcome the problems they face in light of the pandemic and the exit from the EU. What’s required is a sympathetic consumer approach to a commercial problem.”

Karl Hague, CEO & Founder

Proud To Be Based In Kent

We are based in the county town of Maidstone just a stones throw away from the historic city of Rochester in the heart of Kent. Being just 45 minutes away from central London we are never out of reach. 

Don't Just Take Our Word For It

This is what our customer's have to say

Get in Touch

We'd love to hear from you. Reach out today and let's discuss how we can help you to reduce bad debt or supercharge your cash flow.