Edmonton, Alberta — January 9, 2026 — Leads & Copy — Everyday People Financial Corp. (TSXV: EPF) (OTCQB: EPFCF) announced that its subsidiary, BPO Collections Limited, has completed the acquisition of ACT Credit Management Limited as of January 7, 2026.
The acquisition was approved by the Financial Conduct Authority (FCA) in the United Kingdom on December 16, 2025, following a share purchase agreement dated November 6, 2025.
Graham Rankin, Co-CEO RCM (UK) of Everyday People, stated that the acquisition marks a significant milestone and their fifth acquisition in expanding their UK revenue cycle management (RCM) operations. He anticipates ACT will contribute an annual EBITDA of approximately C$750 thousand to C$1.0 million, with anticipated revenue in the range of C$6.0 million to C$9.0 million.
Under the purchase agreement, BPO acquired 100% of ACT’s issued and outstanding shares without assuming any of ACT’s existing debt. The acquisition was funded through existing cash flow, and no shares were issued.
ACT, founded over a decade ago, provides debt collection and credit management services across the UK and is authorized and regulated by the FCA. Its client base spans multiple industries, offering services in debt recovery, tracing, credit reporting, and legal enforcement.
In other news, on January 8, 2026, Everyday People entered into debt settlement agreements with four independent directors to settle accrued directors’ fees. The company agreed to settle an aggregate of $291,500 in unpaid directors’ fees in 2025 through the issuance of 435,075 common shares at a deemed price of $0.67 per share. These shares will be issued in full satisfaction of the debt.
The transaction is a “shares for debt” transaction pursuant to TSX Venture Exchange Policy 4.3 and is subject to the acceptance of the TSXV. The settlement shares will be subject to a hold period of four months and one day from the date of issuance.
The issuance of the settlement shares constitutes a related party transaction within the meaning of Multilateral Instrument 61-101. The company is relying on exemptions from the formal valuation and minority shareholder approval requirements of MI 61-101. The transaction was approved by the company’s disinterested directors.
For the quarterly period ending December 31, 2025, the company paid an independent consultant $5,000 cash and $10,000 in common shares. The company issued 14,202 common shares at deemed prices per share as compensation for services rendered under the agreement.
On December 31, 2025, the company issued 37,500 RSUs to one officer pursuant to the terms of the company’s Omnibus Share Incentive Plan. Each RSU entitles the holder to receive one common share upon vesting. These RSUs will vest one year from the grant date.
Everyday People Financial Corp.’s plan provides for the grant RSUs, options, performance share units and deferred share units. The plan includes a rolling stock option plan component that sets the maximum number of common shares reserved for issuance at 10% of the number of common shares issued and outstanding. The plan was last annually approved by the company’s shareholders at its annual and special meeting held September 29, 2025, and subsequently received annual approval from the TSX Venture Exchange on September 30, 2025.
Everyday People Financial Corp. is a technology-driven financial services company with a mission to help individuals and businesses manage money better. Established in 1988, the company has over 600 employees operating in the United Kingdom and Canada.
Contact
Gordon Reykdal
Executive Chairman of Everyday People Financial Corp.
letsconnect@epfinancial.ca
1 888 825 9808 (Press Option 2 for Investor and Media Relations)
Source: Everyday People Financial Corp.
