Credit Lift

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.

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

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

• Debt relief services
• Debt consolidation
• Consumer proposals
• Credit rebuilding
• Financial counseling

Headquarters

HQ city

Calgary

HQ country

Canada

HQ region

North America

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. 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

Go-to-market motion1 record

Distribution channels3 records

Marketing channels7 records

Core 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

Named customers6 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators6 records

Recent moves5 records

Expansion highlights5 records

Direct 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

• Facebookfacebook.com/CreditLiftCanada
• Instagraminstagram.com/creditliftcanada
• TikToktiktok.com/@creditliftcanada

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

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 Credit Lift