clarifi (formerly cccs of delaware valley)

What clarifi (formerly cccs of delaware valley) does

Clarifi (formerly Consumer Credit Counseling Service of Delaware Valley) is a Philadelphia-headquartered 501(c)(3) nonprofit founded in 1965 and the largest provider of financial and housing empowerment services for low- and moderate-income residents in Greater Philadelphia, serving Southeastern Pennsylvania, New Jersey, and Delaware. The organization delivers HUD-certified housing counseling, judgment-free financial empowerment counseling, benefits access support, free VITA tax preparation, and a layered suite of direct-assistance programs including Restore, Repair, Renew (10-year fixed-rate 3% home equity loans of $2,500-$50,000 co-administered with the Philadelphia Redevelopment Authority), BenePhilly benefits access, the Re-entry Program (financial counseling paired with $1,000 cash grants for justice-impacted individuals in partnership with the City of Philadelphia and U.S. Attorney's Office), Delco Home Stabilization, and an Emergency Savings Match program. Distribution spans 8 physical offices across PA, NJ, and DE, embedded counselors at CHOP's Karabots location via a Medical Financial Partnership, remote phone/video counseling, a dedicated BenePhilly Helpline, and a debt court navigator launching in Philadelphia Municipal Court in early 2026.

Clarifi's business model is grant- and donation-funded rather than transaction-based: all core counseling services are provided free to clients, with operating revenue drawn from philanthropic grants (notably $1M from TD Bank in 2023, $500K from PA DCED for Delco Home Stabilization, $100K from Penn Community Bank), corporate partnerships (JPMorgan Chase, Macquarie, Lincoln Financial Foundation, United Way), government co-development funding (City of Philadelphia, PRA, PHA, PA DCED), and individual donations. Debt management plans are administered through an affiliation with GreenPath Financial Wellness, and direct home repair loans flow through partner lenders. The 2025 impact profile includes 3,224 households counseled, 6,404 counseling sessions, $1M in grants disbursed, $6.22M secured for home repairs, an average $811 client debt reduction, and $2.3M+ in direct client cash grants — serving a horizontally-segmented client base across low/moderate-income residents (80% of 2021 housing clients were people of color and 80% low-to-moderate income), justice-impacted individuals, benefits-eligible residents, and VITA-eligible taxpayers.

Technology and platform infrastructure is comparatively limited: Clarifi does not disclose AI/ML capabilities or proprietary software platforms, relying instead on certified human-delivered counseling methodologies, over-the-phone translation through Language Services Associates, online homeownership coursework via Framework Homeownership, and standard data solutions management. The organization's competitive differentiation derives from its 60-year operating history, HUD-certified counseling credentials, multi-decade institutional relationships with major banks and Philadelphia-area government entities, and the integration of counseling with direct capital deployment (grants and low-interest loans) — a model that produces measurable client outcomes (debt reduction, credit improvement, homeownership, home repair completion) while remaining free at the point of service.

Name

clarifi (formerly cccs of delaware valley)

Legal name

Clarifi

Website

https://clarifi.org

Company type

Private

Founded year

1965

Operating status

Operating

Short description

Clarifi is a Philadelphia-based 501(c)(3) nonprofit providing free financial counseling, housing counseling, public-benefits access, and direct cash and loan assistance to low- and moderate-income residents across Greater Philadelphia (Southeastern PA, New Jersey, and Delaware).

Ownership category

akta.pro rank

Product category

Financial Counseling Services

NAICS

Other Individual and Family Services (624190), Community Housing Services (62422), Vocational Rehabilitation Services (624310)

SIC

Services-Social Services (8300), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Affordable Housing & Community Development (Housing, Community Land Trusts) (BPAGALAC)

akta.pro secondary industries

Housing Counseling, Foreclosure Prevention & Loss Mitigation Programs (FSALAKAM), Down Payment Assistance (DPA) Credit Enhancement & Subsidy Programs (FSALAJAI), Affordable Rental & Multifamily Housing Finance Programs (LIHTC/Tax Credits/Subsidized Loans) (FSALAKAF)

Keywords

• Financial counseling services
• Housing counseling services
• Debt management programs
• Home repair loans
• Nonprofit financial assistance

Headquarters

HQ city

Philadelphia

HQ country

United States

HQ region

North America

Offices8 records

Markets served

GTM type

B2C

Offering type

Services

Revenue model

1. Philanthropic Funding and Grants: Clarifi operates as a nonprofit organization funded primarily through grants from foundations, corporations, and government entities. The organization received a $1 million TD Ready Challenge grant in 2023, $500,000 for Delco Home Stabilization (2023-2025), and $140,000 for Emergency Savings Match (2023-2025). Services are provided at no cost to clients through these funding partnerships.
2. Donations and Charitable Contributions: The organization accepts monetary contributions through online donations, payroll giving, direct stock donations, and Donor-Advised Funds. Annual fundraising campaigns support operations and direct client assistance programs.
3. Direct Assistance Programs: Clarifi disburses cash grants to clients for financial and housing stabilization. In 2025, the organization gave more than $2.3 million in cash grants through October 2025, exceeding all previous years combined since 2020. Programs include reentry grants ($1,000 each to justice-impacted individuals), home repair grants, and emergency assistance.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

Clarifi is a nonprofit organization that provides free, judgment-free financial empowerment counseling and housing counseling services to low- and moderate-income residents of Greater Philadelphia. The organization delivers certified financial counseling (debt reduction, credit building, budgeting, savings, student loans), housing counseling (pre-purchase, foreclosure prevention, eviction mediation), and direct assistance through programs such as Restore, Repair, Renew (low-interest home repair loans), BenePhilly benefits access, VITA tax preparation, and Re-entry grants.

Product overview

Clarifi is a nonprofit financial and housing empowerment organization offering a suite of integrated services. Its core offerings include Financial Empowerment Counseling (judgment-free credit, debt, and budgeting guidance), Housing Counseling (pre-purchase, foreclosure prevention, eviction mediation), and direct assistance programs including Restore, Repair, Renew (low-interest home repair loans administered in partnership with the City of Philadelphia), Delco Home Stabilization, BenePhilly benefits access, VITA free tax preparation, and Re-entry Program grants. The organization combines certified counseling with capital investments (grants and loans) to help low- and moderate-income residents of Greater Philadelphia achieve financial stability and homeownership.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• 3,224 households served in 2025
• +6 more outcomes

Named customers13 records

Segments6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• City of PhiladelphiacoreStrategic or Co-development PartnerCo-developer of Restore, Repair, Renew program and reentry program combining financial counseling with cash assistance. Partner for BenePhilly program addressing public benefits access. City officials participate in program celebrations and announcements.
• Philadelphia Redevelopment Authority (PRA)coreStrategic or Co-development PartnerCo-administer of Restore, Repair, Renew home repair loan program offering 10-year fixed-rate 3% interest loans ranging from $2,500 to $50,000 to eligible Philadelphia homeowners.
• Philadelphia Housing Authority (PHA)coreStrategic or Co-development PartnerPartnership supporting housing stability and homeownership programs for Philadelphia residents through referral systems and program coordination.
• City of Philadelphia (Reentry)coreStrategic or Co-development PartnerPartnership developed in 2020 to combine Clarifi's financial empowerment counseling with cash assistance for justice-impacted individuals. Distributed more than $1.2 million to 1,200+ reentry clients over three years.
• Children's Hospital of Philadelphia (CHOP)coreStrategic or Co-development PartnerMedical Financial Partnership providing free tax preparation and financial counseling services to families at CHOP's Karabots location. Part of initiative to build financial literacy alongside healthcare.
• GreenPath Financial WellnessminorStrategic or Co-development PartnerThrough affiliation with GreenPath, Clarifi connects clients to comprehensive credit counseling and debt management services. All debt management plans managed exclusively by GreenPath, a nationally certified nonprofit organization.
• Sen. Tim Kearney's OfficecoreStrategic or Co-development PartnerPartnership to develop Delco Home Stabilization pilot program for Delaware County homeowners with low to moderate incomes.
• Philly Joy BankcoreStrategic or Co-development PartnerGuaranteed income pilot for pregnant Philadelphians providing $1,000 monthly for 18 months. Clarifi provides financial counseling to help participants leverage income for long-term financial security, debt payoff, and homeownership goals.
• Philadelphia Department of Housing and Community DevelopmentcoreStrategic or Co-development PartnerGovernment partner for housing programs and community development initiatives supporting low-income residents.
• Common ImpactminorStrategic or Co-development PartnerFacilitated skills-based volunteering partnership with Macquarie Group through Pro Bono Marathon Day, helping Clarifi improve engagement strategy and social media outreach.

Scale indicators25 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• GreenPath Financial Wellness: National nonprofit credit counseling and financial wellness organization. GreenPath is Clarifi's affiliate partner for debt management plan servicing, operates a similar HUD-approved counseling model across many states, and competes head-to-head for the same funder relationships.
• Money Management International (MMI): One of the largest U.S. nonprofit credit counseling agencies, offering HUD-approved housing counseling, debt management, and financial education. Directly comparable to Clarifi in service mix and target population, with broader national reach.
• Operation HOPE: National nonprofit providing financial education, credit counseling, and HUD-approved housing counseling to underserved communities. Comparable mission and service mix; larger footprint and stronger corporate brand partnerships.
• HomeFree-USA: HUD-approved national housing counseling nonprofit focused on homeownership education and foreclosure prevention. Closely comparable to Clarifi's housing counseling and pre-purchase education offerings.

Broad incumbents

• National Foundation for Credit Counseling (NFCC): Umbrella network of nonprofit credit counseling agencies including member agencies like Clarifi. Sets standards, certifies counselors, and channels national funding to member agencies — both a peer (via shared clients) and an ecosystem coordinator.
• Cities for Financial Empowerment (CFE) Fund: National nonprofit that partners with municipal governments (including Philadelphia) to operate Financial Empowerment Centers offering free one-on-one financial counseling. Operates a similar BenePhilly-style model in multiple cities.
• Prosperity Now: National nonprofit focused on asset-building and financial stability for low-income households. Comparable mission; operates programs and policy advocacy rather than direct counseling at Clarifi's scale.
• National Urban League: Large national civil rights and economic empowerment organization operating financial capability and housing counseling programs through local affiliates. Comparable target population and mission overlap.

Regional players

• PIDC Community Capital: Philadelphia-based CDFI partnering with Clarifi on capital access for housing and economic development. Regionally focused economic development peer in the same Philadelphia ecosystem.
• Habitat for Humanity Philadelphia: Regional Habitat affiliate operating homeownership and home repair programs for low-income Philadelphia residents. Comparable mission around affordable housing and homeownership for underserved populations.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@clarifi
• LinkedInlinkedin.com/company/clarifi

Revenue estimate

Valuation estimate

Number of profiles

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 clarifi (formerly cccs of delaware valley)