CHRISTIANS AGAINST POVERTY CANADA

What CHRISTIANS AGAINST POVERTY CANADA does

Christians Against Poverty Canada (CAP Canada) is a federally registered Canadian charity (Charitable Registration #841397532RR0001) founded in 2013 and headquartered in Hamilton, Ontario. The organization provides free, faith-based debt counselling, budget coaching, and financial literacy education to Canadians experiencing financial distress. Its core product suite comprises CAP Debt Help (professional debt counselling delivered through a national network of church-based Debt Centres and a toll-free helpline), the CAP Money Course (a proprietary three-session financial literacy curriculum taught by trained volunteer coaches), and supporting online tools including CAP Money Plus, CAP Money Ministers, CAP Job Clubs, the Benefits Wayfinder Tool, and a Debt Network advocacy team that negotiates with creditors on behalf of clients.

The business model is donation-funded: all services are delivered at zero cost to end clients, with operating expenses covered by individual donors, church contributions, and charitable partners. Distribution is anchored by partnerships with 300+ churches across Canada, which supply volunteer coaches, physical meeting space, and community trust. Supporting channels include a national toll-free Debt Help line (1-855-214-9191), online self-serve course content, and organic social and email marketing. The organization holds multiple governance and compliance certifications including Canadian Centre for Accreditation, CCCC membership, EFC affiliation, CAFE affiliation, PIPEDA compliance, and AODA accessibility compliance, and is led by CEO Will MacLaughlin with a board that includes governance committee leadership. Since inception, CAP Canada reports facilitating conversations around $16M+ of client debt and training over 8,000 CAP Money Course participants, with a 50% year-over-year increase in clients seeking help recorded in 2021.

Name

CHRISTIANS AGAINST POVERTY CANADA

Legal name

Christians Against Poverty Canada

Website

https://capcanada.org

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Debt Counselling and Financial Literacy Services

NAICS

Activities Related to Credit Intermediation (5223)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Collections & Creditor Negotiation Support (Debtor-Side) (FSAEAFAI)

Keywords

• Debt counselling services
• Financial literacy education
• Budget coaching support
• Credit counselling nonprofit
• Church community outreach

Headquarters

HQ city

Hamilton

HQ country

Canada

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Donations and Charitable Contributions: CAP Canada is a registered Canadian charity (Charitable Registration #841397532RR0001) that operates entirely on donations from individuals, churches, and organizations. All services to clients are provided free of charge.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels7 records

Core offering

CAP Canada delivers free professional debt counselling and creditor negotiation through its head office and a network of 300+ church-based Debt Centres across Canada. It also offers a three-session financial literacy and budgeting curriculum (CAP Money Course) taught by trained volunteer coaches, plus complementary services including personalized Budget Help, employment support via CAP Job Clubs, and a Benefits Wayfinder tool. All client services are provided at no cost, funded entirely through charitable donations.

Product overview

Christians Against Poverty Canada operates as a church-based financial support ministry offering a coordinated suite of services. The core offering consists of CAP Debt Help (free professional debt counselling delivered through a network of partner church Debt Centres) and the CAP Money Course (a three-session financial literacy and budgeting course). These are supplemented by online debt counselling services through CAP Money Plus and CAP Money Ministers, employment support via CAP Job Clubs, and practical tools including a Benefits Wayfinder Tool and Budget Help. The organization also provides an online budgeting tool accessible through its website. All services are delivered at no cost to clients, with support funded through donations.

Differentiator

Problem solved

Functional benefit

Products and services

• CAP Debt Help Free professional debt counselling service delivered through CAP Canada's head office and a network of local Debt Centres located in partner churches across Canada. Includes creditor negotiation on the client's behalf and personalized debt reduction plans.
• CAP Money Course A three-session financial literacy and budgeting course delivered by trained volunteer coaches in local churches, teaching participants how to create budgets, manage money, and apply cash-principles budgeting to reduce debt.
• Budget Help Personalized budgeting assistance to help individuals and families create and maintain household budgets, provided free of charge through CAP Canada's coaching network.
• CAP Money Plus Online debt counselling service providing individuals with debt advice and management support through a web-based platform.
• CAP Money Ministers Online debt counselling service variant designed for ministers and church leaders, offering debt advice and management support through a web-based platform.
• CAP Job Clubs Employment assistance service helping job seekers document their employment history and experience, and supporting them through their job search.
• Benefits Wayfinder Tool Online tool that helps individuals navigate and identify government and community benefits available to them.
• Debt Network Dedicated team acting as an advocate for clients, negotiating with creditors on their behalf to seek fair outcomes and sustainable debt resolution.

Quantifiable outcome

• $16M+ in debt conversations facilitated since 2013
• +3 more outcomes

Named customers4 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

Feature2 records

Partnerships

Five partnerships are on record, tiered core and minor.

• 300+ Churches Across CanadacoreStrategic or Co-development PartnerCAP partners with local churches across Canada to host Debt Centres and deliver the CAP Money Course. Churches provide volunteer coaches, meeting spaces, and community trust to reach Canadians in financial distress. This church-based model enables free service delivery funded by donations.
• Canadian Centre for AccreditationminorOthersCAP Canada holds accreditation from the Canadian Centre for Accreditation, demonstrating commitment to quality standards in nonprofit operations.
• Canadian Association for Financial Fitness (CAFE)minorOthersCAFE logo appears on CAP website as part of organizational network of financial literacy providers.
• Evangelical Fellowship of Canada (EFC)minorOthersCAP is affiliated with the Evangelical Fellowship of Canada, a network of evangelical organizations.
• Canadian Council of Christian Charities (CCCC)minorOthersCCCC Accredited Member logo indicates CAP is part of the CCCC network of Christian charities, supporting best practices in Christian nonprofit management.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• GreenPath Financial Wellness: US-based nonprofit credit counselling organization that provides free debt counselling, housing counselling, and financial education across North America. Operates a comparable free-to-client, donation- and grant-funded model with strong digital delivery.
• Credit Counselling Society: Canadian nonprofit credit counselling organization that provides free debt counselling, budgeting help, and financial education across Canada. It serves a similar low-income, indebted client base with non-faith-based delivery, making it the closest secular direct peer in the same geography.
• Springboard Non-Profit Consumer Credit Management: US nonprofit credit counselling agency offering free debt management plans, financial education, and housing counselling. Mirrors CAP Canada's client mission (distressed households seeking debt relief) through a community-partner delivery model.
• Money Management International (MMI): US nonprofit credit counselling agency providing free debt counselling, bankruptcy pre-filing counselling, and financial education. Similar service mix and donor/grant funding model, though primarily US-focused and not a direct Canadian competitor.
• Credit Canada: Canadian nonprofit credit counselling agency offering free debt counselling, debt management programs, and financial literacy education. Closely comparable mission and service offering to CAP Canada, with the main difference being a secular rather than faith-based delivery model.
• Consolidated Credit Counseling Services of Canada: Canadian credit counselling nonprofit that delivers free debt consolidation advice, financial education, and budgeting support to Canadian households. Targets the same distressed-debtor segment as CAP Canada through a non-faith-based channel, typically online and by phone.
• Christians Against Poverty (UK): The UK parent charity of CAP Canada, founded in 1996, runs the same church-based debt counselling, CAP Money Course, and Job Clubs model in the UK. CAP Canada is a direct franchise of this organization, operating the identical curriculum and Debt Centre network structure across Canada.

Others

• Canadian Centre for Accreditation (CCA): Accreditation body that has accredited CAP Canada. Included because it is the governance/quality standards partner for the organization and a useful ecosystem reference for nonprofit sector quality frameworks in Canada.

Market position

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/ChristiansAgainstPovertyCanada
• LinkedInlinkedin.com/company/christians-against-poverty-canada
• Instagraminstagram.com/cap.canada

Compliance2 records

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 CHRISTIANS AGAINST POVERTY CANADA