Gradient is a unique financial platform that empowers you to take control of your financial future. We automate income and spend analysis, along with personal budget creation and payments, to help you understand and manage your money more effectively. Our platform can automatically adjust your payments to creditors based on your projected monthly cash flows, helping to streamline your debt management. And we can do this dynamically every month. What sets Gradient apart is our capability to provide an advance on your future savings. This means we offer you access to your savings ahead of time, which our platform can then leverage to expedite debt repayment or investments so you build toward future wealth creation. With Gradient, you're not just planning for the future; you're living it today.

Gradient uses artificial intelligence algorithms to automatically analyze your historical income and spend. Based on this analysis, we craft an optimized personal budget tailored to your unique financial situation. We don't stop there though. We also automate the creation of a debt management plan (if applicable) designed specifically for you to effectively reduce your liabilities. And we can automate payments to any consumer debt that shows up on your credit report. Payments are automatically scheduled to meet due dates and post instantly.

Finally, with your budget and debt management plan in place, we can then determine if you are eligible for a Gradient advance based on your median monthly cash flows. This advance provides you immediate access to your future savings, which can be used to expedite your debt paydown or investments for potential growth.

We primarily use a cash-flow based underwriting method to calculate the amount of your advance. This involves analyzing your historical free cash flow – the money left over after all your expenses have been paid – and providing an advance as a multiple of this amount. The duration of this advance typically ranges between 3 to 12 months, offering you significant flexibility. This approach aligns with your ability to repay while also creating an incentive for you to save more. The larger your free cash flow, the larger the potential advance. Gradient advances can be used to rack up significant savings on interest expense and accelerate your loan pay-off. Our aim is to empower you to boost your wealth creation and fast-track your financial goals.

No, the funds are directly disbursed to your creditors (i.e. lenders). Gradient takes care of this automatically, electronically sending the advance as an additional principal payment towards your applicable loan. This method allows us to calculate your interest savings instantaneously, providing you with immediate insights into your financial progress. As for the repayment of the advance, it's simple and automated – we debit the amount directly from your linked checking account, keeping the process seamless and worry-free for you.

Our initial launch is focused on leveraging Gradient advances to accelerate debt paydown, but we do intend to enable accelerated investing as well. This will be planned a little further down on our roadmap, but will be coming soon!

Gradient operates on a subscription model. While pricing has not been officially finalized, the subscription fee will be $12 - $14 per month. For any advances we provide, we charge a small fee based on the interest savings generated from the accelerated debt paydown.

Your trust is our top priority. We use industry-leading encryption and security practices to protect your data. And we will never share your information without your consent.

We understand that life can be unpredictable. Gradient advances are short in duration to enable you greater flexibility to match your priorities. You will never be committed to repaying a Gradient advance for greater than 12 months. If you require an interim pause or adjustment to your payment schedule, you’ll need to get in touch with our support team.

Our goal is for Gradient to be the last personal finance app you will ever need. Unlike other apps, Gradient provides you access to your future savings today for immediate debt paydown or investment. Our goal is to help you build a secure financial future faster. And we believe the most prudent way to do so is to get a handle on debt and enable savings and investments for future wealth creation.

We’re planning our initial app release in the November 2023 timeframe for a select group of beta users.. Join our Discord Channel or email list to stay up to date on the latest.