About US


SDSL was established in December 2010 as a wholly-owned subsidiary of Universal Merchant Bank (UMB). The entity was originally set up as Merban Asset Recovery Trust (MART) as a strategic initiative for the recovery of specified non-performing assets (NPAs) of Universal Merchant Bank (UMB).

SDSL had engaged in all activities attendant to the management and recovery of Non-Performing Loans (NPLs) transferred from Universal Merchant Bank (UMB) in an expeditious and efficient manner during the first five years of its operations. The first phase of the operations of SDSL ended on December 31, 2015.

The second phase of SDSL commenced in January 2016, after the company was hived off UMB as a separate legal entity with new shareholders. The strategic thrust of the new phase is to deepen the product mix and extend these services to other corporate entities apart from UMB. This phase started with a huge portfolio of gross balance of non-performing debts from phase one and it serves as a launch pad for penetrating into the debt recovery market. The core products and services of SDSL are debt recovery and management of distressed accounts that require turnaround situations.


To become the market leader in the provision of comprehensive range of first-class debt solutions to both private and public sector entities.


The mission of SDSL is to combine aggressive strategic marketing to provide cost-efficient, effective and reliable debt finance, recovery and turn-around solutions at competitive prices. It is a customer-focused organisation that produces predictable earnings for its shareholders and provides a dynamic and challenging environment for its employees.

Core Values

Customer focus
Respect for people