Credit Lift
Credit Lift is a Calgary-based Canadian consumer debt advisory firm founded in 2010 that educates individuals with unsecured debt and connects them with Licensed Insolvency Trustees, lenders, and other professionals for Consumer Proposals, consolidation, and debt management.
- Company typePrivate
- Founded2010
- HeadquartersCalgary, Canada
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Credit Lift does
Credit Lift Inc. is a Calgary-based, privately held Canadian consumer debt advisory firm founded in 2010 by John and Jennifer Croft. The company educates and guides Canadians struggling with unsecured debt (credit cards, personal loans, payday loans, tax debt, collection accounts) through free, confidential consultations, then connects them with appropriate licensed professionals — including banks, credit unions, licensed lenders, mortgage agents, lawyers, realtors, and Licensed Insolvency Trustees — to execute debt relief solutions such as Consumer Proposals, Debt Consolidation, or Debt Management Plans. Credit Lift does not lend money, and does not file or administer proposals or bankruptcies itself; its core offering is consumer advocacy, education, and warm-handoff referral to regulated professionals, followed by a Financial Restoration Program that supports credit rebuilding, budgeting, and long-term financial literacy.
The business operates a sales-led, free-consultation model with no publicly disclosed pricing and a 100% satisfaction guarantee. Revenue is generated through referral arrangements and professional services fees from its downstream partners. Distribution is built around a content-rich website and blog, a 30-second online pre-qualification flow, a dedicated French-language site, and three Canadian offices (Calgary HQ, Saskatoon, Montreal), supplemented by an Ambassador Program paying $100 per referral to financial advisors, accountants, mortgage brokers, insurance agents, and investment managers, and a Partner Program for businesses. The company claims over 12,000 Canadians served cumulatively across more than 12 years of operation, a 98% client debt-free outcome rate, and 809 Google reviews averaging 4.9 stars. The firm is 100% Canadian owned, has no disclosed institutional investors, funding rounds, or M&A activity, and operates under PIPEDA-compliant privacy practices.
Credit Lift firmographics
Firmographics- Name
- Credit Lift
- Legal name
- Credit Lift Inc.
- Website
- https://creditlift.ca
- Company type
- Private
- Founded year
- 2010
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Credit Lift is a Calgary-based Canadian consumer debt advisory firm founded in 2010 that educates individuals with unsecured debt and connects them with Licensed Insolvency Trustees, lenders, and other professionals for Consumer Proposals, consolidation, and debt management.
- Ownership category
- akta.pro rank
Credit Lift industry classification
Industry- Product category
- Debt Relief Services
- NAICS
- Activities Related to Credit Intermediation (5223)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Credit Repair & Credit Score Advisory (FSAEAFAD)
- akta.pro secondary industry
- Multi-Loan / Multi-Creditor Consolidation Loans (FSAKAIAD)
Keywords
Where Credit Lift is headquartered
LocationHeadquarters
- HQ city
- Calgary
- HQ country
- Canada
- HQ region
- North America
Offices3 records
Markets served
Credit Lift business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Debt Relief Services: Credit Lift does not lend money directly to clients. They provide consultation, education, and guidance services to help clients discover debt relief options. They connect clients with appropriate licensed professionals including banks, credit unions, licensed lenders, mortgage agents, lawyers, and Licensed Insolvency Trustees. Revenue appears to be generated through referral arrangements and service fees for their financial restoration program.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Free initial consultation |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels7 records
Credit Lift product offering
Product offeringCore offering
Credit Lift is a Canadian debt relief and financial restoration firm that educates consumers on debt-relief options and connects them with licensed professionals (Licensed Insolvency Trustees, lenders, lawyers) to execute solutions such as consumer proposals, debt consolidation, and debt management plans. The firm does not lend money or administer insolvencies itself; instead it provides free confidential consultations, personalized budgeting, and a post-debt Financial Restoration Program to rebuild credit and financial literacy.
Product overview
Credit Lift is a Canadian debt relief and financial restoration company operating since 2010, offering a comprehensive Debt Relief and Financial Restoration Program. The core offering centers on helping Canadians reduce and consolidate unsecured debts (credit cards, personal loans, payday loans, tax debts, and more) into a single manageable monthly payment, with a primary focus on Consumer Proposals as the preferred solution. The portfolio includes specific debt relief products: Consumer Proposal (a legal debt settlement process offering 30–80% reduction), Debt Consolidation, and Debt Management Plan. Beyond debt elimination, CreditLift provides a Financial Restoration Program to rebuild credit and develop financial literacy. The company also operates Ambassador and Partner referral programs that compensate professionals for successful client referrals. Additional offerings include a free educational eBook. CreditLift is not a Licensed Insolvency Trustee and does not file or administer proposals or bankruptcies directly — instead it advocates exclusively for consumers and connects them with appropriate licensed professionals.
Differentiator
Problem solved
Functional benefit
Products and services
- Debt Relief and Financial Restoration Program Comprehensive debt relief program for Canadians with unsecured debts, combining debt reduction/consolidation with credit rebuilding and financial literacy education. Delivered through free confidential consultation and personalized advisor guidance.
- Consumer Proposal A legal, court-supervised debt settlement process administered by a Licensed Insolvency Trustee, allowing debtors to repay a portion of their unsecured debts (typically 30–80% reduction) over up to 5 years, with legal protection from creditors, zero interest, and no asset seizure.
- Debt Consolidation Combining multiple debts into a single loan with a potentially lower interest rate to simplify repayment and reduce overall debt load.
- Debt Management Plan A credit counseling program that consolidates debt repayments into a single monthly payment, potentially reducing interest rates to zero or near-zero, with debts typically repaid within 5 years.
- Financial Restoration Program A post-debt program helping clients rebuild their credit, develop financial literacy, create sustainable budgets, and plan for long-term financial goals.
Quantifiable outcome
- Debt reduction up to 80%
- +2 more outcomes
Companies that use Credit Lift
Customer profileNamed customers6 records
Segments2 records
Ideal customer profiles2 records
Credit Lift technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Credit Lift partnerships and signals
Strategic signalScale indicators6 records
Recent moves5 records
Expansion highlights5 records
Credit Lift competitors and assessment
Company assessmentDirect peers
- BDO Canada Debt Solutions: BDO's dedicated debt-solutions arm provides consumer proposals, debt management plans, and credit counselling to Canadians — a near-identical service mix to Credit Lift.
- Credit Canada: Credit Canada is a non-profit credit counselling service offering debt management plans, budgeting, and financial literacy programs — a directly comparable education-and-counselling counterpart to Credit Lift.
- MNP Debt: MNP Debt is a Canadian debt-relief practice (part of MNP LLP) that helps consumers with consumer proposals, debt consolidation, and bankruptcy alternatives — directly overlapping Credit Lift's core offering across Canada.
- Bankruptcy Canada: Bankruptcy Canada is a national consumer-facing debt advisory site that funnels users to Licensed Insolvency Trustees for proposals and bankruptcy, mirroring Credit Lift's advisory-and-referral model.
- Consolidated Credit Counseling Services of Canada: Consolidated Credit is a Canadian credit counselling agency that builds debt management plans and delivers financial literacy, comparable to Credit Lift's debt management and Financial Restoration Program.
- Hoyes, Michalos & Associates (Hoyes.com): Hoyes Michalos is a Licensed Insolvency Trustee firm focused on consumer debt relief, consumer proposals, and credit counselling — closely comparable to the solutions Credit Lift intermediates toward.
- Resolve Debt Canada: Resolve Debt provides consumer credit counselling and debt restructuring programs across Canada, serving the same debtor segment as Credit Lift with similar consumer proposal / DMP offerings.
Broad incumbents
- Fairstone Bank of Canada: Fairstone is a large Canadian non-bank lender offering debt consolidation loans and credit products — overlapping with Credit Lift's consolidation and credit-rebuilding value proposition from the credit-extending side.
Others
- Equifax Canada: Equifax Canada supplies the consumer credit data and scores that Credit Lift's Financial Restoration Program explicitly targets for improvement — an enabling data and infrastructure layer that supports Credit Lift's product.
Emerging players
- Davis Martindale (Debt Solutions practice): Davis Martindale's insolvency practice offers consumer proposals and debt advisory through a CPA firm channel — overlapping with Credit Lift's outcome but with a professional-services GTM.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks7 records
Key highlights7 records
Customer concentration
Credit Lift social profiles
Digital presenceCredit Lift compliance and trust
Trust signalCompliance1 record
Credit Lift financial estimates
Financial estimateRevenue estimate
Valuation estimate
Credit Lift leadership team
Management profileNumber of profiles
Profiles2 records
Credit Lift funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Credit Lift 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 Credit Lift
What does Credit Lift do?
Credit Lift is a Canadian debt relief and financial restoration firm that educates consumers on debt-relief options and connects them with licensed professionals (Licensed Insolvency Trustees, lenders, lawyers) to execute solutions such as consumer proposals, debt consolidation, and debt management plans. The firm does not lend money or administer insolvencies itself; instead it provides free confidential consultations, personalized budgeting, and a post-debt Financial Restoration Program to rebuild credit and financial literacy.
Is Credit Lift a public or private company?
Credit Lift is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Credit Lift founded?
Credit Lift was founded in 2010. It employs 11 to 50 people.
Where is Credit Lift based?
Credit Lift is headquartered in Calgary, Canada, in the North America region.
How does Credit Lift make money?
One revenue line is on record: debt Relief Services.
Who are Credit Lift's main competitors?
Direct peers on record are BDO Canada Debt Solutions, Credit Canada, MNP Debt, Bankruptcy Canada, Consolidated Credit Counseling Services of Canada, Hoyes, Michalos & Associates (Hoyes.com) and Resolve Debt Canada. Fairstone Bank of Canada is listed as a broad incumbent. Equifax Canada is listed as an others. Davis Martindale (Debt Solutions practice) is listed as an emerging player.
Does Credit Lift have an API?
No public API is recorded for Credit Lift.
What industry is Credit Lift in?
Credit Lift's product category is Debt Relief Services. Its primary akta.pro industry code is FSAEAFAD, Credit Repair & Credit Score Advisory, with a secondary code of FSAKAIAD, Multi-Loan / Multi-Creditor Consolidation Loans. Its NAICS code is 5223 and its SIC code is 6163.