Everyday People Financial
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.
- Company typePublic
- Founded1988
- HeadquartersEdmonton, Canada
- Headcount251–500
- GTM typeB2B
- OfferingServices
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.
Everyday People Financial firmographics
Firmographics- 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
Everyday People Financial industry classification
Industry- 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
Where Everyday People Financial is headquartered
LocationHeadquarters
- HQ city
- Edmonton
- HQ country
- Canada
- HQ region
- North America
Offices7 records
Markets served
Everyday People Financial business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- 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.
- 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
Everyday People Financial product offering
Product offeringCore 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
Companies that use Everyday People Financial
Customer profileNamed customers5 records
Segments2 records
Ideal customer profiles2 records
Everyday People Financial technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability4 records
Feature2 records
Everyday People Financial partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered minor and core.
- Smartset Services Inc.minorLetter 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 LimitedcoreUK-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)coreUK 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.coreFive-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.coreJointly 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 LimitedcoreUK-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
Everyday People Financial competitors and assessment
Company assessmentDirect 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
Everyday People Financial social profiles
Digital presenceEveryday People Financial financial estimates
Financial estimateRevenue estimate
Valuation estimate
Everyday People Financial leadership team
Management profileNumber of profiles
Profiles9 records
Everyday People Financial subsidiaries and ownership
Company hierarchySubsidiaries6 records
Everyday People Financial funding detail
Funding detailFunding overview
Funding rounds3 records
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Everyday People Financial M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Everyday People Financial
What does Everyday People Financial do?
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.
Is Everyday People Financial a public or private company?
Everyday People Financial is a public company. It is classified as public and is currently operating.
When was Everyday People Financial founded?
Everyday People Financial was founded in 1988. It employs 251 to 500 people.
Where is Everyday People Financial based?
Everyday People Financial is headquartered in Edmonton, Canada, in the North America region.
How does Everyday People Financial make money?
Two revenue lines are on record. Receivables Management Services are the primary driver. The others are payments Platform.
Who are Everyday People Financial's main competitors?
Direct peers on record are Radius Global Solutions, Lowell Group, Marston Holdings, Hoist Finance, Cabot Credit Management, iQera and TSI (Transworld Systems Inc.). Broad incumbents are PRA Group and Encore Capital Group. Equifax is listed as an others.
Does Everyday People Financial have an API?
No public API is recorded for Everyday People Financial.
What industry is Everyday People Financial in?
Everyday People Financial's product category is Receivables Management Services. Its primary akta.pro industry code is FSAKAJAN, Utilities/Telecom & Other Non-Financial Receivables Collections, with a secondary code of FSAKAJAO, International & Cross-Border Collections. Its NAICS code is 56144 and its SIC code is 7320.