What MNP Ltée - Syndic de faillite does

MNP Ltée is a Canadian Licensed Insolvency Trustee (LIT) firm founded in 1973 and operating as a division of the national accounting firm MNP S.E.N.C.R.L., s.r.l. The firm is the largest group of insolvency professionals in Canada, employing more than 50 licensed insolvency trustees across 240+ offices spanning all provinces and territories. Its core business is administering government-regulated insolvency proceedings under the Bankruptcy and Insolvency Act, serving both individuals and businesses facing financial distress.

The firm operates two primary service lines. The consumer stream provides personal bankruptcy, consumer proposals, debt consolidation, credit counselling, orderly payment of debts, and informal debt settlement to individual Canadians carrying unsecured obligations such as credit cards, payday loans, personal loans, and tax debts. The corporate restructuring stream serves businesses in financial distress with viability studies, informal restructuring, formal creditor proposals, bankruptcy administration, receivership, interim receivership, and custodianship — the firm currently lists 638 active corporate mandates. Both streams generate professional services fees; consumer fees are tariff-regulated by the Office of the Superintendent of Bankruptcy, while corporate fees are negotiated subject to court approval.

MNP's go-to-market combines a 240+ office physical distribution network with content marketing (565 blog posts, six-platform podcast distribution, a quarterly consumer debt index), bilingual service delivery (French and English), and a free consultation entry point that converts into regulated insolvency proceedings. The firm also invests in thought leadership through the MNP Consumer Debt Index, a quarterly Ipsos survey now in its 37th edition that generates media coverage and supports category demand. Integrations are limited to commodity platforms (Microsoft Outlook for booking, major podcast networks for distribution); the firm's operational technology is proprietary case-administration methodology rather than software products.

Name

MNP Ltée - Syndic de faillite

Legal name

MNP Ltée

Website

https://mnpdettes.ca

Company type

Private

Founded year

1973

Operating status

Operating

Headcount range

1–10 employees

Short description

MNP Ltée is Canada's largest licensed insolvency trustee firm, operating 240+ offices nationwide with 50+ LITs delivering regulated consumer debt relief (bankruptcy, consumer proposals) and corporate restructuring services to individuals and businesses in financial distress.

Ownership category

akta.pro rank

Headquarters

HQ city

Calgary (Downtown)

HQ country

Canada

HQ region

North America

Offices5 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Consumer Insolvency Services: Fees for administering consumer proposals and bankruptcies are regulated by the Canadian government (Bureau du Surintendant des faillites). These services help individuals eliminate or reduce unsecured debts including credit cards, personal loans, payday loans, and tax debts. Revenue is derived from government-tariffed fees and court-approved remuneration.
2. Corporate Restructuring Services: Services to debtors (viability studies, informal restructuring, proposals, bankruptcy) and creditors (appointment as receiver, interim receiver, custodian, bankruptcy). Revenue generated through professional service fees regulated under insolvency legislation.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels7 records

Core offering

MNP Ltée is a federally licensed insolvency trustee firm that administers consumer and corporate insolvency proceedings under the Bankruptcy and Insolvency Act. It delivers services including personal bankruptcy, consumer proposals, debt consolidation, credit counselling, orderly debt payment, informal debt settlement, and corporate restructuring (debtor and creditor services such as receivership and proposals). Operations span 240+ offices across Canada, supported by more than 50 licensed insolvency trustees.

Product overview

MNP Ltée operates as a Licensed Insolvency Trustee (LIT) firm, providing debt relief and insolvency services across Canada through more than 240 offices. The core product portfolio centers on two primary service streams: (1) Consumer debt solutions including Personal Bankruptcy (Faillite personnelle), Consumer Proposals (Proposition de consommateur), Debt Consolidation, Credit Counselling, Methodical Debt Payment, and Informal Debt Settlement; and (2) Corporate restructuring services including Debtor Services, Creditor Services, Receivership, and Mediation. Supporting these core offerings are digital tools such as the MNP Debt Scale self-assessment quiz, the quarterly MNP Consumer Debt Index survey, the '3-Minute Debt Break' podcast series, downloadable financial forms, and comprehensive FAQ resources. The company positions itself as a one-stop solution for Canadians seeking to break the debt cycle, with services available in both English and French.

Differentiator

Problem solved

Functional benefit

Brands

• MNP Dettes: Consumer debt solutions division offering bankruptcy, consumer proposals, debt consolidation, and credit counselling services to individuals.
• MNP Corporate Restructuring
• Indice des dettes à la consommation de MNP
• L'Info dettes en 3 minutes de MNP
• Baromètre d'endettement de MNP

Products and services

• Personal Bankruptcy (Faillite personnelle) A federally regulated legal process administered by a licensed insolvency trustee that provides immediate financial protection for individuals overwhelmed by debt, allowing discharge of most unsecured debts over a defined period.
• Consumer Proposal (Proposition de consommateur) A federally regulated, legally binding process for insolvent Canadians allowing reduction of amounts owed to unsecured creditors, extension of repayment timelines, or both, administered by a licensed insolvency trustee.
• Debt Consolidation (Consolidation de dettes) A loan service that combines multiple debts into a single payment, typically at a lower interest rate, simplifying debt management for qualifying individuals.
• Credit Counselling (Consultation en crédit) Professional advisory service where advisors help individuals examine their finances, create budgets, and negotiate with creditors for more reasonable repayment schedules.
• Orderly Payment of Debts (Paiement méthodique des dettes) A government-regulated debt repayment program available in Alberta, Nova Scotia, Prince Edward Island, and Quebec (Loi Lacombe), allowing repayment of debts plus 5% interest over typically three years under court supervision.
• Informal Debt Settlement (Règlement de dettes à l'amiable) A voluntary negotiation process between debtors and creditors to arrange modified repayment terms without formal legal binding, facilitated by MNP advisors.
• Business Recovery and Restructuring Services (Services de redressement et restructuration d'entreprises) Corporate insolvency and restructuring services for businesses in financial distress, including debtor services, creditor services, viability studies, formal creditor proposals, bankruptcy administration, receivership, and mediation.
• Debtor Services (Services aux débiteurs) Services helping business owners in financial difficulty explore options including financial viability studies (Look-See), informal restructuring, formal creditor proposals, and bankruptcy.
• Creditor Services (Services aux créanciers) Services for creditors including financial viability studies, appointment as receiver, interim receivership, receivership, and bankruptcy proceedings.

Quantifiable outcome

• Bankruptcy typically lasts 9-21 months for first-time filers
• +2 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Partnerships

One partnership is on record.

• IpsosminorStrategic or Co-development Partner · 1 January 2026MNP partners with Ipsos, a global market research firm, to conduct the quarterly MNP Consumer Debt Index survey. This partnership provides MNP with authoritative consumer debt data and media coverage, while Ipsos gains access to a large audience through MNP's distribution channels. The survey of 2,000 Canadians provides quarterly insights into consumer financial health and debt levels.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Deloitte Restructuring (Canada): Big Four advisory practice providing corporate restructuring, insolvency, and turnaround services in Canada. Comparable on the corporate restructuring and creditor services side of MNP's book.
• BDO Canada: National accounting and advisory firm offering insolvency, restructuring, and recovery services across Canada. Directly comparable as a competing federally licensed trustee firm with similar consumer and corporate restructuring offerings.
• KPMG Advisory (Canada): Big Four restructuring and insolvency practice serving distressed corporates and creditors. Overlaps with MNP's corporate restructuring, receivership, and proposal engagements.
• PwC Canada Restructuring: Big Four restructuring practice in Canada offering formal insolvency, advisory, and creditor-side services. Competes for the same corporate restructuring mandates as MNP.

Direct peers

• Hoyes Michalos: Ontario-based licensed insolvency trustee firm specializing in consumer proposals and personal bankruptcy. Directly comparable as a competing trustee firm serving similar individual debtor customers.
• Farber Financial Solutions: Canadian insolvency and financial advisory firm providing consumer proposals, bankruptcies, and corporate restructuring. Closely comparable on service mix and target customer segments.
• David Sklar & Associates: Toronto-based licensed insolvency trustee firm serving consumer and small business clients. Comparable as a competing trustee firm in the Ontario market.
• Bromwich+Smith: Alberta-headquartered licensed insolvency trustee firm offering consumer debt solutions across Western Canada. Comparable on consumer-side trustee services and geographic overlap in Western provinces.
• Grant Thornton Canada: National accounting and advisory firm with a dedicated restructuring and insolvency practice. Directly comparable as a competing federally licensed trustee firm with consumer and corporate offerings.
• A. Farber and Partners: Canadian licensed insolvency trustee firm offering personal and corporate insolvency services. Directly comparable on regulated trustee offerings and customer overlap.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCq3IEfIqtziq2AKTrVBytJA
• LinkedInlinkedin.com/company/mnp-lt%C3%A9e---syndic-de-faillite

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 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 MNP Ltée - Syndic de faillite