Recover with
confidence.
Umoja is a debt recovery firm in Kenya, bringing people, insight and technology together to help businesses recover debt, manage credit challenges and find clear paths forward.
3+
years of experience
5
core solutions
360°
case perspective
1
unified purpose
What we do
Clearer answers to complex challenges.
From recovery to research, Umoja Debt Solutions helps organisations protect value, find answers and build capacity for what comes next.
01 / Service
Debt collection
Respectful, persistent recovery strategies that protect relationships while improving cash flow.
Learn more02 / Service
Skiptrace
Smart, compliant locating services that reconnect you with the people and information you need.
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Private investigation
Discreet, evidence-led investigations for complex financial and personal matters.
Learn more04 / Service
Debt & Credit Management Training
Practical training that equips teams with the knowledge and skills to manage debt and credit effectively.
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Software services
Purpose-built technology that helps collections teams automate workflows, track performance, and work smarter.
Learn moreOur philosophy
Professional. Human. Together.
We believe recovery should be rigorous without losing its humanity. Our work is built on accountability, cultural understanding and a commitment to better outcomes for everyone involved.
Why Umoja
Insight that moves business forward.
We combine local understanding with modern methods to help our clients make confident decisions.
Built for the realities of today's Africa.
Technology is powerful. Trust is what makes it work.