What Americor Financial does

Americor Financial (dba Americor Funding, LLC) is a privately held consumer financial services company headquartered in Irvine, California, that provides debt relief solutions to U.S. consumers overburdened by unsecured debt — primarily credit card balances, personal loans, and medical bills. Its core product, the Americor Advantage debt resolution program, negotiates with creditors on behalf of enrolled clients to reduce total debt owed, lower monthly payments, and eliminate long-term interest fees, with clients reportedly saving 40-50% of enrolled debt on average and completing programs in 24-48 months. For clients who qualify, Americor also offers debt consolidation loans through partner Credit9, LLC, including an "Americor Advantage consolidation loan" available after six months in the program.

The company operates a proprietary online platform that handles client onboarding, debt analysis, settlement workflow, and client servicing, complemented by an iOS mobile application and internal CRM/POS software tools. Revenue is generated primarily through contingency-based fees ranging from 14% to 29% of enrolled debt, charged only upon successful settlement and client approval; the company also earns referral fees from Credit9 loan originations and operates an affiliate/partner distribution channel. Americor serves consumers across 47 states through a direct-to-consumer model combining a self-service online application portal, phone-based inside sales with certified Debt Consultants (888-211-2660), state-specific SEO landing pages, celebrity endorsements, and a dedicated affiliate partner network.

Financing structure relies heavily on asset-backed securitizations of both personal loans (sponsored with Credit9, rated A) and — for the first time in November 2025 — debt settlement fees themselves ($153.15M transaction rated by KBRA). Americor has helped over 500,000 clients resolve more than $2 billion in debt, holds an A+ BBB rating, is licensed by the California DFPI, and has expanded into mortgage lending through its Mission Loans subsidiary. The company has received four consecutive Top Workplaces USA awards (2021, 2024, 2025, 2026), was named to the Inc. 5000 in 2023, and was designated a Forbes Advisor Best Debt Relief Company for 2026.

Name

Americor Financial

Legal name

Americor Funding, LLC

Website

https://americor.com

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Americor Financial is a privately held Irvine, California-based consumer debt relief company that negotiates settlements and arranges consolidation loans for U.S. consumers burdened by unsecured debt across 47 states, having helped over 500,000 clients resolve more than $2 billion in obligations through its Americor Advantage program.

Ownership category

akta.pro rank

Product category

Consumer Debt Relief Services

NAICS

Collection Agencies (561440), Activities Related to Credit Intermediation (5223)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320), Personal Credit Institutions (6141)

akta.pro primary industry

Debt Settlement & Negotiation Services (FSAEAFAC)

akta.pro secondary industries

Debt Management Plans (DMP) & Consolidation Programs (FSAKAIAJ), Collections & Creditor Negotiation Support (Debtor-Side) (FSAEAFAI)

Keywords

• Debt settlement services
• Debt consolidation loans
• Consumer debt relief
• Credit counseling services
• Debt management programs

Headquarters

HQ city

Irvine

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Others

Revenue model

1. Debt Settlement Fees (Contingency): Americor charges fees based on a percentage of the total debt enrolled at the time of starting the program, ranging from 14%-29% of enrolled debt. No fees are charged until debts are successfully settled and the client approves the settlement agreement. If settlement cannot be achieved, no fee is charged.
2. Debt Consolidation Loan Referrals: Americor refers qualified clients to partner Credit9 for debt consolidation loans, earning referral fees when clients successfully obtain consolidation loans through Credit9.
3. Legal Services Referrals: Some programs may be offered through The Law Firm of Higbee & Associates d/b/a Advantage Law, suggesting a referral relationship for legal services.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

Americor Financial is a consumer financial services company that helps individuals and families burdened with unsecured debt (credit cards, personal loans, medical bills) reduce or eliminate their obligations. Through its proprietary online platform and the Americor Advantage debt resolution program, the company negotiates with creditors on behalf of clients to lower monthly payments, reduce total debt owed, and eliminate long-term interest fees. For qualifying clients, Americor also facilitates debt consolidation loans through partner Credit9 and offers credit counseling services.

Product overview

Americor Financial is a consumer financial services company offering a suite of debt relief solutions. The core product is the Americor Advantage debt resolution program, which negotiates with creditors on behalf of clients to reduce enrolled debt by up to 50%. For qualified clients, the company offers debt consolidation loans through partner Credit9. The company also provides credit counseling services and has expanded into mortgage lending through its Mission Loans subsidiary. A proprietary online platform powers the service delivery, complemented by a mobile iOS app for client convenience.

Differentiator

Problem solved

Functional benefit

Brands

• Mission Loans: Mortgage subsidiary of Americor providing mortgage lending services
• Americor Advantage
• Credit9

Products and services

• Americor Advantage Debt Resolution Program Core debt resolution program that negotiates with creditors on behalf of clients to lower monthly payments, reduce total debt owed, and eliminate long-term interest fees. Clients typically save 40-50% of enrolled debt upon successful program completion, with first settlements typically achieved within 3-6 months of enrollment.
• Debt Consolidation Loans Personal loans offered through partner Credit9 to qualified clients, allowing consumers to consolidate multiple high-interest debts into a single monthly payment. Also available as the Americor Advantage consolidation loan for clients who have successfully completed six months of the debt resolution program, designed to pay off creditors and improve credit scores.
• Credit Counseling and Debt Management Financial counseling services that help clients understand their debt situation and develop personalized debt management strategies. Includes free debt assessments conducted by certified Debt Specialists.
• Mission Loans Mortgage Lending Mortgage lending services offered through Americor's wholly-owned subsidiary Mission Loans, extending the company's consumer financial services into home loan products.

Quantifiable outcome

• Reduce enrolled debt by up to 50% (average 45%)
• +4 more outcomes

Named customers8 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability1 record

Feature4 records

Partnerships

Three partnerships are on record, tiered core, supporting and minor.

• Credit9, LLCcoreChannel Partner/ Reseller/ DistributorCredit9 is Americor's partner for debt consolidation loans. For clients who qualify, Americor offers consolidation loans through Credit9. Additionally, after successfully completing six months of the Americor Advantage debt resolution program, clients can qualify for the Americor Advantage consolidation loan through Credit9 to pay off creditors and improve credit scores. Credit9 also acts as third-party sponsor for loan securitizations.
• The Law Firm of Higbee & Associates d/b/a Advantage LawsupportingStrategic or Co-development PartnerSome programs may be offered through The Law Firm of Higbee & Associates d/b/a Advantage Law, suggesting a partnership for legal services related to debt resolution.
• American Relief OrganizationminorOthersReferenced as a resource for consumers needing debt relief assistance, operating as a separate organization that Americor directs consumers to.

Scale indicators10 records

Recent moves6 records

Expansion highlights7 records

Direct peers

• National Debt Relief: National Debt Relief is one of the largest US debt settlement companies, offering contingency-based settlement for unsecured consumer debt. It is the closest direct competitor to Americor by business model, customer segment (credit card/medical/personal loan debt), and geographic reach across the US.
• Freedom Debt Relief: Freedom Debt Relief is a major US debt settlement provider using a fee-based model to negotiate unsecured debts for consumers. It directly overlaps Americor's core Americor Advantage program in target customer, fee structure, and distribution approach.
• Accredited Debt Relief: Accredited Debt Relief is a US debt settlement company offering free consultations and contingency-based settlement programs. It competes head-to-head with Americor for the same overburdened consumer segment and uses similar digital/phone-based acquisition funnels.
• CuraDebt: CuraDebt is a debt settlement and tax debt resolution firm serving US consumers with similar unsecured-debt programs. While smaller, it competes in the same vertical with comparable pricing models and target customers.
• Debt Relief USA: Debt Relief USA provides debt settlement and consolidation services to US consumers struggling with unsecured debt. It is comparable to Americor in service mix, contingency-based pricing, and direct-to-consumer marketing approach.
• InCharge Debt Solutions: InCharge Debt Solutions is a nonprofit credit counseling and debt management agency offering DMPs and financial education. It overlaps with Americor's credit-counseling/debt-management add-on product for the same financially stressed consumer base.
• GreenPath Financial Wellness: GreenPath Financial Wellness is a US nonprofit credit counseling and debt management provider with a comparable consumer-credit-counseling offering. It is comparable to Americor's credit-counseling arm and serves the same financially distressed customer segment.

Broad incumbents

• Money Management International (MMI): MMI is one of the largest US nonprofit credit counseling agencies offering DMPs, housing counseling, and financial education. It is comparable as a broad incumbent in the consumer credit counseling and debt management category where Americor also competes.
• LendingClub: LendingClub is a major US online personal-loan marketplace. It is comparable to Americor's consolidation-loan referral business (via Credit9) and adjacent to its broader consumer-credit business, though it focuses on direct loan origination rather than settlement.
• SoFi: SoFi is a large US consumer fintech offering personal loans, mortgage, and financial products. It is a broad incumbent comparable to Americor's expanding multi-product consumer-finance platform (settlement + consolidation + Mission Loans mortgage subsidiary).

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/americorloans
• LinkedInlinkedin.com/company/americor-financial

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles17 records

Subsidiaries1 record

Funding overview

Funding rounds2 records

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Americor Financial