Build stronger credit. Unlock more financial opportunities with the A.E.I.F.G. Method

A.E.I.F.G. METHOD™

CREDIT COACHING

PRIVATE LENDING

Credit Coaching & Private Lending in Toronto

Book Your Assessment

A.E.I.F.G. METHOD™

CREDIT COACHING

PRIVATE LENDING

Credit Coaching & Private Lending in Toronto

Book Your Assessment

About R1 Financial

R1 Financial is a Canadian credit coaching and private lending company dedicated to helping people build stronger financial futures.

Using our A.E.I.F.G. Method™ (Assess, Educate, Improve, Finance, Graduate), we provide personalized credit coaching, practical financial education, and responsible private lending options for qualified clients.

Whether you’re rebuilding your credit, preparing to buy a home or vehicle, or looking for a fresh financial start, our goal is simple: help you unlock more financial opportunities with confidence.

What we do

CREDIT SUPPORT SERVICE

We review your credit report, identify what’s affecting your score, and explain it in plain language. Through our A.E.I.F.G. Method™, you’ll receive personalized guidance and a clear action plan to help you build stronger credit.

COLLECTION AGENCY ASSISTANCE

We help you communicate with creditors and collection agencies and guide you through resolving outstanding accounts when appropriate. Communication and negotiation support are included as part of your Credit Success Program at no additional cost.

PRIVATE PERSONAL LENDING OPTIONS

For qualified clients, we offer private personal loans. We look at your credit and your ability to repay, and if everything makes sense, you may be approved. Our loans have clear interest, simple payments, and no payday‑loan traps.

OUR PROCESS: THE A.E.I.F.G. Method

The A.E.I.F.G. Method™: A Proven Path to Better Credit and Financial Opportunity

A – Assess

We begin by understanding your financial situation, goals, and credit profile.

E – Educate
We teach you how the credit system works so you can make informed financial decisions.

I – Improve
Together, we create and follow a personalized action plan to strengthen your credit.

F – Finance
When appropriate, we help you access responsible financing that supports your goals.

G – Graduate
We celebrate your success as you reach milestones like buying a home, financing a vehicle, starting a business, or achieving greater financial confidence.

OUR $199 CREDIT SUCCESS PROGRAM

Our program is built on the A.E.I.F.G. Method™—a proven step-by-step system designed to help you build stronger credit and achieve your financial goals.

Your program includes:

Comprehensive credit assessment
Personalized 6-month action plan
Debt organization
Communication with creditors and collection agencies on your behalf, at no additional cost, when appropriate
Credit education and coaching
Document preparation and review
Step-by-step guidance through the A.E.I.F.G. Method™
Ongoing support and progress reviews

From your initial assessment to graduation, you’ll receive personalized guidance every step of the way. You’re not paying for individual services—you are investing in a complete credit coaching program designed to help you improve your credit and create more financial opportunities.

why Canadians choose r1 financial

A proven step-by-step system
Personalized credit coaching
6-month action plan tailored to your goals
Communication with creditors and collection agencies included
Responsible lending for qualified clients
Transparent pricing—no hidden fees
Focused on long-term financial success, not quick fixes

Get In Touch

Share your financial goals and what you’d like help with. We’ll get back to you within a few hours to schedule a Zoom call or an in-person meeting.

View Your Credit Score and Report

Check your credit details with Equifax and TransUnion to keep your information accurate.

Check your credit details with Equifax and TransUnion to keep your information accurate and up to date.

Check your credit details with Equifax and TransUnion to keep your information accurate.

Click here to access your TransUnion credit report and see your current credit score.

Credit Coaching & Private Lending in Toronto

Credit Coaching & Private Lending in Toronto

About R1 Financial

What we do

OUR PROCESS: THE A.E.I.F.G. Method

The A.E.I.F.G. Method™: A Proven Path to Better Credit and Financial Opportunity

OUR $199 CREDIT SUCCESS PROGRAM

why Canadians choose r1 financial

Get In Touch

Whether you need help improving your credit, dealing with collection agencies, or exploring responsible private lending, you’re in the right place. Complete your assessment below, and we’ll review your situation and guide you toward the best financial solution for your needs.

View Your Credit Score and Report

Check your credit details with Equifax and TransUnion to keep your information accurate.

Check your credit details with Equifax and TransUnion to keep your information accurate.

Check your credit details with Equifax and TransUnion to keep your information accurate.

Check your credit details with Equifax and TransUnion to keep your information accurate.

Check your credit details with Equifax and TransUnion to keep your information accurate.

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