Everyday People Financial

What Everyday People Financial does

Everyday People Financial Corp. (EPF) is a Canadian-listed public company, traded on the TSX Venture Exchange (EPF) and OTCQB (EPFCF), operating as a pure-play global receivables management (RCM) platform across Canada and the United Kingdom. Through six operating subsidiaries, the company provides fee-for-service debt collection and recovery services to government agencies, financial institutions, telecommunications providers, utilities, and commercial clients. In July 2026, EPF divested its non-core Financial Services and EP Homes segments to FinCard for $850K, completing a strategic refocusing on its core RCM franchise under the planned new name Global Receivables Management Inc.

The company generates revenue on a fee-for-service contingency model, earning commissions on receivables successfully recovered rather than purchasing debt portfolios. Its operational footprint has been built through a series of acquisitions, including the November 2024 acquisition of CCS Group Holdings and the January 2026 acquisition of ACT Credit Management, both UK-based RCM businesses. EPF employs approximately 700 people and grew FY2025 revenue to $76.2M (33% YoY), with adjusted EBITDA of $8.0M (a 116% improvement year-over-year). The company's workflow technology incorporates AI-enhanced processes that have reportedly improved fee-earning productivity by approximately 25%, representing an operational optimization layer rather than an AI-native product.

Beyond core RCM, EPF entered a joint venture with XTM Inc. in October 2025 to launch Everyday People Payments Inc., a payments platform adjacent to its collections operations. The company maintains a related-party relationship with EAM Enterprises (controlled by Carrie Reykdal), which has been flagged in disclosures. With a market capitalization of approximately $59.2M as of August 2026, EPF is a small-cap public operator executing a focused consolidation strategy in the fragmented North American and UK receivables management market.

Name

Everyday People Financial

Legal name

Everyday People Financial Corp.

Website

https://everydaypeoplefinancial.com

Company type

Public

Founded year

1988

Operating status

Operating

Headcount range

251–500 employees

Short description

Everyday People Financial Corp. is a Canadian-listed pure-play global receivables management platform operating across Canada and the UK through six subsidiaries, providing fee-for-service debt collection and recovery services to government and enterprise clients.

Ownership category

akta.pro rank

Product category

Receivables Management Services

NAICS

Collection Agencies (56144)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Utilities/Telecom & Other Non-Financial Receivables Collections (FSAKAJAN)

akta.pro secondary industry

International & Cross-Border Collections (FSAKAJAO)

Keywords

• Receivables management services
• Debt collection services
• Revenue cycle management
• Collections agency services
• Financial services BPO

Headquarters

HQ city

Edmonton

HQ country

Canada

HQ region

North America

Offices7 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Receivables Management Services: Fee-for-service receivables management and debt collection services provided across Canada and the United Kingdom through BPO Collections, EPFS, CCS, ACT, GCS, and Groupe Solution subsidiaries. Revenue is generated on a fee-for-service basis without purchasing consumer debt.
2. Payments Platform: Digital commerce bank issuing and processing platform through Everyday People Payments Inc. joint venture with XTM Inc., managing card and digital wallet programs for hospitality workers.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Everyday People Financial Corp. operates a pure-play Global Receivables Management (RCM) platform providing fee-for-service receivables management and debt collection services across Canada and the United Kingdom. The platform comprises six operating subsidiaries (BPO Collections, EPFS, CCS, ACT, GCS, and Groupe Solution) and serves government agencies, financial institutions, telecommunications providers, utilities, and commercial enterprises. The company helps organizations recover receivables and streamline billing processes without purchasing consumer debt, supported by AI-enhanced workflows and embedded regulatory compliance frameworks.

Product overview

Everyday People Financial operates as a pure-play Global Receivables Management (RCM) platform comprising six operating subsidiaries across Canada and the UK: BPO Collections Limited, Everyday People Financial Solutions Limited, CCS Group Holdings Limited, ACT Credit Management Limited, General Credit Services Inc., and Groupe Solution Collect Solu Inc. The company provides fee-for-service receivables management and debt collection services, helping organizations recover receivables and streamline billing processes without purchasing consumer debt. The platform is AI-enhanced and operates across Canada and the UK with over 700 employees. The company is transitioning from Everyday People Financial Corp. to Global Receivables Management Inc.

Differentiator

Problem solved

Functional benefit

Brands

• BPO Collections: UK-based collections and call centre agency operating under the company's RCM platform.
• General Credit Services
• EP Financial Solutions
• GSC
• CCS
• ACT

Products and services

• Global Receivables Management Platform

Quantifiable outcome

• 35% revenue growth year-over-year to $20.4 million in Q1 2026
• +5 more outcomes

Named customers5 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability4 records

Feature2 records

Partnerships

Six partnerships are on record, tiered minor and core.

• Smartset Services Inc.minorOthers · 12 June 2026Letter of intent announced June 12, 2026 concerning proposed qualifying transaction with FinCard. Distribution of FinCard shares to EPFC shareholders proceeds regardless of whether QT is completed.
• ACT Credit Management LimitedcoreTechnology or Integration · 7 January 2026UK-based debt collection and credit management services provider, FCA authorized. Fifth acquisition in UK RCM operations. Expected to contribute C$750K-C$1.0M annual EBITDA and C$6.0M-C$9.0M revenue. Funded through existing cash flow.
• Financial Conduct Authority (UK)coreOthers · 16 December 2025UK financial regulator that authorized ACT Credit Management Limited acquisition. FCA authorization is required for debt collection and credit management operations in the UK.
• XTM Inc.coreStrategic or Co-development Partner · 22 October 2025Five-year Management Services and Program Management Agreement forming Everyday People Payments Inc. joint venture. EPFC assumed full operational management of XTM's Canadian network branded card and digital wallet programs, combining both companies' payment technologies under EPFC's Digital Commerce Bank issuing and processing platform.
• Everyday People Payments Inc.coreStrategic or Co-development Partner · 22 October 2025Jointly formed subsidiary (50/50 between EPFC and XTM) managing Canadian card and digital wallet programs. XTM contributes approximately 200,000 active card users; EPFC provides regulatory and operational framework.
• CCS Group Holdings LimitedcoreTechnology or Integration · 7 November 2024UK-based receivables management company acquired November 2024. Delivered full-year revenue contribution in FY2025, expanding UK operations and creditor services capabilities.

Scale indicators12 records

Recent moves8 records

Expansion highlights5 records

Direct peers

• Radius Global Solutions: US-based receivables management and contact center services provider serving creditors across multiple verticals. Comparable technology-enabled, fee-for-service RCM and customer engagement model.
• Lowell Group: One of the largest UK credit management services providers, offering receivables management and debt recovery to enterprise and consumer clients. Highly comparable to EPF's UK fee-for-service platform, though Lowell is also a major debt purchaser.
• Marston Holdings: UK-based provider of debt recovery, enforcement, and integrated receivables services to government and commercial clients. Comparable end-to-end RCM service model and government client base to EPF's UK operations.
• Hoist Finance: Swedish-listed acquirer and servicer of non-performing loans across Europe, with significant UK operations. Comparable multi-jurisdictional RCM platform and similar regulatory dependencies to EPF.
• Cabot Credit Management: Major UK receivables management and debt purchase provider serving financial services, utilities, and government clients. Direct competitor in the UK RCM market with overlapping client verticals to EPF.
• iQera: European debt management and receivables services provider operating in France and expanding across the continent. Comparable fee-for-service RCM model with multi-jurisdictional compliance requirements.
• TSI (Transworld Systems Inc.): North American provider of business process outsourcing and receivables management services for small and mid-market creditors. Closest US analogue to EPF's fee-for-service, BPO-led RCM model.

Broad incumbents

• PRA Group: US-listed global leader in non-performing loan acquisitions and receivables management with operations across the Americas and Europe. A larger incumbent offering somewhat overlapping services but with a primary debt-buying model rather than pure fee-for-service.
• Encore Capital Group: NASDAQ-listed global debt recovery specialist operating across the US, Europe, and Latin America. Comparable multi-jurisdictional RCM platform but operates as a major debt purchaser rather than a pure fee-for-service provider.

Others

• Equifax: Global data, analytics, and credit bureau providing credit reporting and recovery support services to financial institutions and debt collectors. An ecosystem enabler whose data and analytics underpin the RCM workflow EPF operates within.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/EP_Financial

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Subsidiaries6 records

Funding overview

Funding rounds3 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 Everyday People Financial