Capital Factors and Debt Management Services (CFDMS) is a limited liability company incorporated under the laws of Ghana. Established in April 1996 as a subsidiary of The Capital Group Limited, CFDMS has distinguished itself as leading provider and a one stop shop of debt management services –debt collections, credit management, debtors monitoring, factoring, financial advisory, enforcement / execution of court judgment, auctioneering and training. With the capacity to manage any debt situation we bring to bear on assignments of this nature vast historical experience coupled with improved and relevant methodologies developed to keep pace with and anticipate developments in all areas of business. We are flexible in the application of resources, which allows us to apply the best resources to the requirements of our clients, where ever such is required, whilst stringent quality controls and risk management criteria ensures that there is no compromise on the quality and sustainability of deliverables.

Our local experience allows us to render not just theoretical solutions but practical solutions that achieve the desired results. Our team has the required experience that will be leveraged to provide you with the most efficient service possible. The highly experienced team members have all been selected on the basis of their experience and expertise in the field of searching & locating debtors, debt collection and debtor monitoring as well as their dedication and commitment to achieve targets using best industry practice influenced by our local environment. We strongly believe that our clients always come first, and a key source of our client satisfaction lies in our commitment to ongoing communication. In order to support the highest level of service possible, we will create a formal communication plan in accordance with your requirements.

With all conditions met and all necessary strategies implemented to commence business, we do not relent on our efforts at recovering until the last pessewa owed our clients including interest and cost are successfully recovered.

Our Team

Mr Samuel Leslie Adetola

Founder | C.E.O

Mr Adetola attended Achimota School and holds a Bachelor’s Degree in Finance and Administration from the University of Ghana, a Post-Graduate Diploma in Business Studies from the London School of Economics and Political Science- UK and a Master’s Degree in Financial Economics from the University College of North Wales- UK.

Miss Alberta Arhin


Miss Alberta Arhin attended Fiaseman Senior School and holds a Degree in Marketing from the University of Professional Studies ,Accra a Diploma in Office Practice administration from V.O.A Institute Of technology