Hartmark Consultancy — Conquering the Divide

Why it matters now

International trade has never been more complex — or more exposed

A single unpaid invoice can become a multi-layered dispute spanning continents, languages and legal traditions. Five forces are reshaping the environment Hartmark was built for.

01 · Interdependence

Global interdependence

One counterparty failure can cascade across an entire supply network of differing legal frameworks.

02 · Liquidity

Liquidity pressure

Higher rates and tighter credit drive delayed payments, disputed invoices and rising default.

03 · Contagion

Emerging debt crisis

Debt stress in low-income markets heightens the risk of default and financial contagion.

04 · Compliance

Regulatory scrutiny

Enhanced KYC, AML and sanctions screening demand stronger documentation and audit trails.

05 · Geopolitics

Geopolitical shift

Trade routes, tariffs and alliances change frequently — once-stable markets are re-evaluated.

Who we are

One firm at the intersection of recovery, intelligence and risk

Hartmark Consultancy is a specialist Welsh fintech consultancy, founded by industry veterans with over 50 years' combined experience. We are the central coordinator across the whole trade lifecycle — drawing on a vetted global network to deliver locally while holding rigorous central oversight.

"Our ambition is not to be the biggest in the market, but the best at what we do."

Patrick Harte — Co-founder

Our vision

To restore trust in international commerce — bridging the cultural, legal and financial gaps that keep businesses from trading with confidence.

Our model

A single point of contact replaces the burden of juggling specialist firms across multiple jurisdictions. One relationship, end to end.

Our standard

Every partner is a qualified professional in their field — law, accountancy, asset investigation — adding substantive rigour, never raw data alone.

Why Hartmark

Six reasons leading institutions choose us

01

Cross-border specialists

We resolve complex international cases domestic collectors cannot — infrastructure built entirely for cross-border issues.

02

End-to-end lifecycle

Pre-deal intelligence, in-life monitoring and post-default recovery under one governed relationship.

03

One point of contact

The person who understood your objectives on day one remains accountable to final resolution.

04

Vetted global network

100+ qualified partners across 160+ countries — local execution with central oversight.

05

Decision-ready output

Verified, contextualised intelligence delivered with a clear recommendation — not data overload.

06

Founder-led delivery

Senior expertise on every engagement, with the personal service larger firms cannot match.

The client journey

A six-stage lifecycle, one dedicated relationship manager

Intelligence gathered in early due diligence feeds risk management during the engagement, and informs recovery in the event of default — with no handoff between disconnected teams.

Before the dealPre-engagement

During deliveryIn-life management

After defaultRecovery

01

Discovery

Understanding the client's commercial objectives, target jurisdictions, exposure profile and risk appetite — shaping the scope and priorities of the engagement from day one.

What we do

Intelligence, advisory and recovery — across every stage

Before the deal — see clearly, decide confidently

Commercial intelligence that surfaces counterparty risk before exposure is taken on, so credit decisions, contracts and market entry rest on verified fact.

International credit reports

Tiered reporting across jurisdictions — financial health, scores and payment behaviour.

Company validations

Entity existence, registration, directorships and beneficial ownership — who they really are.

Contract reviews

Assessment of risk exposure, liability gaps and enforceability before execution.

Due diligence packs

Financial health, legal history, sanctions screening and adverse media in one picture.

Global asset searches

Assets located across jurisdictions to inform credit, recovery and enforcement strategy.

Claim & trade investigations

Irregularity investigation, dispute fact-finding and fraud validation — the evidence to protect you.

During the relationship — maintain visibility, manage exposure

Proactive rather than reactive — anticipating problems rather than simply responding to them, so you have time to decide.

Credit reviews

Portfolio exposure analysis, credit-limit assessment and concentration-risk management.

Supply-chain monitoring

Automated alerts with analyst review — early warning of deterioration in partner health.

Dispute resolution & mediation

Structured settlement support that resolves disputes while preserving relationships.

Site visits

Physical verification of trading partners, operations and declared assets.

Advisory programmes

Market entry, credit policy and risk-framework design for sustainable growth.

Portfolio visibility

A centralised view with trend analysis, score movements and comparative benchmarking.

After default — structured recovery, enforcement & resolution

Pragmatic and commercially focused. Not every matter requires litigation; many resolve through negotiation, mediation or structured settlement.

International debt recovery

Pre-legal and legal recovery tailored to jurisdiction, documentation and debtor profile.

Litigation support

Proceedings coordinated from pre-action through enforcement, with vetted local counsel.

Asset tracing & recovery

Identification, location and recovery of assets across jurisdictions.

Debt purchase facilitation

Portfolio preparation, valuation support and transaction coordination.

Insolvency monitoring

Proofs of debt, process tracking and distributions — protecting your position throughout.

Asset remarketing

Valuation and remarketing of recovered assets to maximise value returned.

Explore the full service portfolio →

The Hartmark Risk Score

Four tiers of depth, one proprietary 0–96 score

Every report carries a single risk score, enabling straightforward comparison across counterparties and jurisdictions. Drag to see how a score reads.

34/ 96

Lower risk

0 · Lower risk48 · Watch96 · Higher risk

Tier 01

Basic

Company identification, registration details and entity verification.

Tier 02

Enhanced

Basic plus credit-rating summary and payment-behaviour indicators.

Tier 03

Premium

Enhanced plus full financials, director profiles and shareholder analysis.

Tier 04

Enterprise

Premium plus real-time monitoring, bespoke analysis and a dedicated analyst.

The proof

Tailored strategies, measurable outcomes

View all case studies →

Case Study 01

East AsiaAfricaSouth AfricaZambia

Multi-jurisdiction asset tracing

~$5MRecovered

A state-owned enterprise had dispersed assets through layered structures across several African jurisdictions and East Asia. Hartmark deployed its network for simultaneous tracing with central oversight — assets attached, trucks seized, claims avoided.

Case Study 02

EuropeMiddle EastCross-border

Cross-border enforcement & settlement

92%Of claim resolved

A defended commercial claim across two legal systems was coordinated from pre-action through enforcement. Settlement was explored at every stage, controlling cost and reaching commercial resolution without contested trial.

Global reach

160+ countries. One partner.
Two hubs, local delivery worldwide.

From our headquarters in Wales — and a regional office in Shanghai — Hartmark operates a curated network of vetted partners across every major trading region.

Europe

HQ · Wales

Asia-Pacific

Office · Shanghai

Africa

Partner network

Americas & ME

Partner network

Explore our global network & Shanghai office →

Leadership

Founder-led, senior on every engagement

Founder & MD · UK

Founder & Managing Director

Patrick Harte

A cross-border recovery and credit-risk specialist with 15+ years on the UK–China corridor, directing mandates for ECAs, banks and corporates.

Co-founder · UK

Co-founder & Senior Adviser

Keith Allmark

A credit and commercial professional with 17 years' B2B credit service, championing the one-stop model across a 100+ country network.

Director · Shanghai

Director & Co-founder, Shanghai

Vincent Sun

Former SINOSURE practitioner leading Hartmark's Asia-Pacific office — ECA programmes, credit insurance and PRC enforcement.

Meet the full leadership team →

Start the conversation

Trade with confidence — knowing Hartmark stands behind every transaction

For active matters

Discuss your case

A default, dispute or recovery in motion? Speak directly with the team that will manage it, end to end.

Discuss your case →

Before you commit

Request intelligence

Need a credit report, due-diligence pack or risk score on a counterparty? Request decision-ready intelligence.

Request intelligence →