Pay Now Client Portal

local and personal
meets global leading

We’re here to help resolve your debt the right way, not just any way.

Whether you’re a long-standing small business in Wellington, or just starting out with your own outfit in central Otago,
we’re here to get back what’s yours the right way, not just any way.  That’s what we are about.

Why baycorp?

We’re specialists
not generalists

Debt resolution. It’s what we do. We are a specialist in one trade not jack of all trades. Our specialisation allows us to focus on your needs on a personal level.

We’re about
brains not brawn

We use our smarts and loads of data to develop effective strategies for small businesses to collect what’s theirs.
That’s what debt resolution should be about – smart people doing clever things for small businesses in need of help and support.

We have local experience
and global know how

Our nationwide network of Business relationship managers have over 130 years combined experience in supporting local businesses. Our deep local experience  is backed by the resources of  Encore – our global parent. Encore is a world leader in debt recovery with expertise in collection best practices , predictive modelling, decision science and operations in 13 countries.  

We have a
long track record

In the 1950s we grew up as a small business in Lower Hutt which helped other small businesses recover bad debts that caused sleepless nights.  Today we still do what we were set up to do. We have deep experience  in the small business market currently serving over 3,000 clients across 245 sectors in New Zealand.

Talk to us

Bramwell Bate


04 Dec 2018

Baycorp are quick to contact debtors and arrange payments. They have assisted us in all aspects of debt collection and they are quick to respond to queries. We highly recommend using them to take the stress out of chasing debtors



23 Nov 2018

Your success rate in getting a response & then collecting outstanding debt has been good. You are easy to deal with

Learning Adventures Levin


07 Sep 2018

As a newly appointed Centre Manager, I was delighted to get over the phone help from Baycorp staff. Their instructions were easy to follow and very helpful. Using the system is very easy and convenient for us

Compost Management Limited


18 Sep 2018

Over the last decade, I have received top service from every individual dealt with at Baycorp agency. Each contract entered in to has been dealt with expeditiously as well as all enquiries

Auckland Transport


12 Jul 2018

Baycorp has been a fantastic partner and considering what they do and the number of matters they handle for us, I could probably count the customer issues we have had on one hand.

Teletronics Limited


19 Jul 2018

Fantastic service, fantastic access to information. Totally informed every step of the way. I should have done it years ago!

Eruera Medical Centre


18 Jun 2018

Baycorp have friendly staff who are always on hand to answer any questions & provide a great service.

Your Accounting & Taxation Specialist


24 Apr 2018

We are very pleased with the service

Claudelands Rovers Sports Club


25 Apr 2018

Baycorp have helped us reclaim outstanding debt from a couple of years ago. When we need help with debt lists and balances the account manager is always there to help and answer our questions. Would highly recommend to anyone wanting use this service as

Hi Flo Pumps & Irrigation Limited


16 Jan 2018

I would be very happy to recommend Baycorp to handle any collections issues that arise through non-payment of accounts. I put in our request and they take over. Great service.

Tauranga City Council Library


16 Jan 2018

Seriously consider Baycorp as the preferred option for debt collection services. I have found staff to be committed to the recovery of unpaid accounts big or small.

Compost Management Limited


30 Jan 2018

I have had class one service over the last decade dealing with Baycorp and have always been satisfied with the service.

NZCU Central


27 Feb 2018

Baycorp is an integral part of our lending process and we would not have half the success we have at recouping our debt if it wasn't for them. I would definitely recommend Baycorp's efficient service.

Cleanme Cleaning Limited


27 Feb 2018

We have had a really good track record in using Baycorp. Simply the best collection company in New Zealand

Auckland Transport


03 Oct 2017

I have been dealing with Baycorp for around 5 years now and they have always been professional, approachable and in general just a great business partner.

Valley Parking Services Limited

Lower Hutt

19 Sep 2017

Our Business certainly has its challenges. The Team at Baycorp has made our debt recovery their problem so we are able to concentrate on what we do best.

Royal Oak Medical Centre Limited


09 May 2017

Baycorp lifts worries away especially if you don't want stress to be a part of your business life.

Metro Finance Limited


09 May 2017

We have used Steve Morrison as our Baycorp rep and he's doing a good job for us.

Equibreed NZ Limited

Te Awamutu

14 Mar 2017

We have used Baycorp for years and find them very effective over time to recover debts. They have become more user friendly over the years.

Neiman B Sweets D


07 Mar 2017

I have dealt with Baycorp for many years and find them particularly easy to deal with and any communication, when required, is fast and accurate. Results and payments, when successful, are prompt.

Pacific International Hotel Management


04 Jul 2017

Baycorp have secured payments which had been deemed unrecoverable

Rotorua Medical Group Limited


13 Sep 2017

Baycorp offer us a user Friendly, cost effective online system to manage our debtors.

Dean & Associates


13 Sep 2017

Baycorp are well trained in debt collection. A debt registered with Baycorp affects the debtors credit rating. They are restricted then with their financial activities. We have collected numerous debts after loading them Baycorp.

Underwriting Agencies Of New Zealand


13 Sep 2017

Great service and results

Tauranga City Council Library


16 May 2017

Need help with your debtors - go straight to Baycorp - always there when you need them

Allan Cheesman


07 Jun 2017

I am grateful to Baycorp as they are able to use their expertise in dealing with difficult clients and ensuring that payment, even if it is just part payment is forthcoming.

Safety Fall Bags Limited


13 Jun 2017

Great company to deal with - if you submit your client in time you will usually end up with your money! What more could you ask for!

Bay Of Plenty Polytechnic


23 May 2017

very efficient and professional

Spacewise (N.Z.) Limited


16 May 2017

A professional service that provide good results. Easy to load bad debts and follow the progress online

Napier City Council


13 Dec 2016

Excellent results Great customer service. Excellent website offering reports, and up to date info in real time.

Far North Vets Limited


13 Dec 2016

Baycorp has been easy to deal with and if I need information they get back to me quickly.

Southern Cross QE Ltd


20 Sep 2016

The service that Baycorp provides is very professional and they are very good at keeping us up to date with progress.

Skinspots Clinic Limited

Bayfair, Tauranga

18 Oct 2016

Baycorp has removed the stressful procedure of collecting outstanding accounts by handling it for me.

Credit Union Central


25 Oct 2016

My experience through working with Baycorp is good. They are easy to deal with pretty good results, good feedback and cost effective.

Dean & Associates


01 Nov 2016

Baycorp have the training, resources and the systems to locate and manage debtors. Baycorp costs can be oncharged so loss of revenue is minimised. I highly recommend you choose Baycorp for your debt collection.

Waison Holdings Limited


12 May 2016

Our Company has engaged Baycorp for many years with well above average successful results and will continue using their facilities in the future.

The Electronic Service Centre Limited


20 Mar 2016

Baycorp have a team of people who are interested in helping their clients to collect debts owing to them. Baycorp contact their client if there is an issue. The Baycorp website is easy to follow and the form the client is required to fill out is easy.

Southern Cross Qe Limited


02 Feb 2016

I find the service and systems used with Baycorp to be efficient and effective.

Robbie Baxter Autos Limited


02 Feb 2016

We have used the services of Baycorp for many years and find them easy to use, especially their new online system. We do not have to pay for expenses up front as we do with other debt collection agencies. Thanks Baycorp

New Zealand National Fieldays Society In


19 Jan 2016

Using Baycorp takes the stress out of dealing with difficult customers. Always updating on the progress of the collection and advice if the customers refuse to pay.

Ministry Of Agriculture & Forestry


10 Feb 2016

All my dealings with Baycorp have been very positive. Roger and 0800 staff have been very professional and helpful.

Mark P Ewing & Associates Limited


29 Mar 2016

Baycorp have been active in pursuing our outstanding accounts with good results and communication throughout.

Manor Group Investments Limited


09 Feb 2016

A valuable recovery agency that has a great work history

Majic Lawn Man (Auckland) Limited


08 Feb 2016

As a sole operator time is so important to me. Leaving debt collecting in the hands of Baycorp takes a lot of pressure off me and I can continue providing a great service to faithful clients.

Lubricants New Zealand Limited


08 Mar 2016

If you want results you can rely on Baycorp

Hi Flo Pumps & Irrigation Limited


11 May 2016

I have the utmost confidence in Baycorp attending to any collection issues on behalf of HiFlo Pumps & Irrigation Ltd. I have both personal and electronic communications and find them all very satisfactory.

Heather Maccoll


26 Jan 2016

Over the years have had a good return from Baycorp's services

Dean and Associates


26 Apr 2016

Baycorp has collaborative systems that effectively identifies, finds and manages bad debtors.

Auckland Transport


21 Mar 2016

Baycorp are a professional organisation who pride themselves on their work ethics and integrity. Baycorp have been a fantastic business partner who have worked at our side implementing a new, different and very large collection project.

Plasweld Limited


03 Dec 2014

I recommend Baycorp for Debt Collection as they offer fantastic Customer Service and are really helpful with discussing options available and costs involved so there are no hidden surprises.

Advanced Media Supplies Limited


10 Nov 2015

I had an unpaid account and all the calls in the world were met with promises but no action. One call from Baycorp and the money was in my bank account.

Spraywell Industries Limited


06 Oct 2015

We use Baycorp for the clients that take a long time to pay and ignore our requests. We find this seems to work for most clients and we receive a good portion of our outstanding debt.

Marine Haulage Limited


21 Oct 2015

I would recommend Baycorp to anybody - very thorough with all attempts to resolve debt.

Skinspots Clinic Limited


27 Oct 2015

Baycorp was very helpful and informative when I called and made debt collecting very painless and hassle free.

HR & CH Holdings Ltd

Tauranga Child Care

24 Sep 2015

We have used Baycorp on several occasions and will continue to do so as we have had no problems with their systems and results.

Gisborne Fisheries Limited


24 Feb 2015

Information and advise has been very helpful - also in a town like Gisborne local knowledge is useful.

Top Tours (NZ) Limited


29 Oct 2015

Baycorp while not being able to make any promises, were able to apply the skills to achieve the outcome.

Technical Advertising Limited


10 Sep 2015

Baycorp's pleasant and helpful advice by telephone resulted in a very prompt payment of an amount owing to us by a client. We would not hesitate to use their services again and recommend them to all.

Tauranga City Council Library


29 Apr 2015

I would recommend Baycorp because staff are professional, responsive and their systems are simple to use. They are a market leader in what they do.

Lumley General Insurance Ltd


04 Nov 2014

The fact that the name Baycorp is a well known brand might be enough to prod customers to do the right thing, but the service they provide is just as impressive. Thanks Team.

Matley Financial Services Ltd


22 Oct 2014

Because every time I call Baycorp questions are answered and action is taken. Also, they follow up debts that I have given up on. So it works positively for my business.

Mainland Finance Ltd


18 Nov 2014

I have been using Baycorp for a short time and have found the system easy to use. The staff are professional and happy to help when needed. I'm pleased I changed to Baycorp from a competitor. You can't ask for a better solution.

Kumeu Veterinary Services Ltd

Kumeu Vets

22 Oct 2014

Hassle free service that delivers results.

Schenker (NZ) Ltd


05 Nov 2014

Great team with a passion to achieve results. Very cooperative and quality staff who know how debt collection works. Excellent recommendations which have achieved best results.

Vanguard Logistics Services Ltd


19 Nov 2014

Baycorp is an outstanding debt collection company. Brilliant, friendly, helpful and efficient staff on board. Highly recommend their services.