About Us

In 2002, following the extensive growth and subsequent sale of the UK’s largest collections and recoveries companies, our founder Ken McGeoch formed Xcelgroup.

Xcelgroup was initially created to provide Cash Flow Management and Early Arrears Recovery Services but went on to expand into Tracing, Investigations, Repossessions, and facilitating regulated financial services, including Mortgages, Insurance, and Wealth Management.

Ken then recognised there was an opportunity to challenge the shape of debt collection via good, moral and ethical standards, and processes and has expanded further with our subsidiary company XFSLIMITED.


XFSLIMITEDbenefits from a leadership team who have held senior roles within financial services and debt collection firms since 1985.  Between them they share an unprecedented level of knowledge, skill and experience within Finance, Operations, Compliance, Health and Safety, and Security whilst holding FCA personal approvals to oversee controlled functions.

XFSLIMITED is a Disability Confident employer, and is certified to ISO:9001 standard.

Cash Flow and Debt Collection

Cash is the lifeblood for us all and without it we cannot survive.  

Late payment from customers and ineffective cash management results in Cash Flow issues. 


Issues with Cash Flow seriously endangers the capacity of us all to continue to operate effectively, leading to a lack of accessible cash, impacting the ability to pay suppliers and employees, and ultimately stunting growth.

To address this issue, XFSLIMITEDhas launched a series of packages aimed at helping everyone improve Cash Flow and stay in business, from the SME through to larger third sector organisations.

From 1 debt to 50 debts. Fully Automated, Cost Effective Debt Collection (Perfect for the SME)

For high volume, regular placements. Commission Based Debt Collection

Cashflow Management, Credit Control & Consultancy

Business Process Outsourcing (BPO)

Process Writing, Leadership Development & More

Meet the Team


Chief Executive Officer

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Chief Operating Officer

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Administration Process and Compliance Officer

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Content Administrator

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Coinciding with and supporting the launch of our new packages, XFSLIMITEDis delighted to announce the appointment of our new Chief Operating Officer Margo Kidd. 

What Are Others Saying?

Mario Zuccaro

Rasik Kotecha

Ludo Roy



David Baird


Peter White

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XFSLIMITED is certified to ISO:9001 standard.

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07853 894771

Glasgow, Scotland

© Xcelgroup 2020

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