What Beyond Finance does

Beyond Finance is a U.S. debt consolidation and financial wellness company, founded in 2011 (per the company's own website) and headquartered in Houston, Texas with corporate campuses in Atlanta and Chicago and an additional mailing presence in Dallas. The company helps American consumers carrying unsecured debt — primarily credit cards, personal loans, medical debt, and some private student loans, with a stated sweet spot of $20,000 or more — through a combination of debt consolidation loan matching (funded by affiliate lenders offering $1,000-$100,000 loans at 4.9%-35.99% APR with 1%-6% origination fees), a debt resolution program in which the company negotiates with creditors to reduce balances, and credit counseling delivered through the sister brand Accredited Debt Relief.

The technology platform is anchored by the proprietary Financial Wellness RESET™ Framework — a clinically-informed five-pillar model (Recenter, Examine, Simplify, Empower, Transform) developed by Chief Financial Wellness Advisor Dr. Erika Rasure, PhD, CFT™ and operationalized through a 20-question Assessment, a free five-module self-paced Curriculum, and weekly live wellness sessions co-led with Certified Financial Therapist Nathan Astle. Enrolled clients interact through a proprietary Client Dashboard (web) and a Beyond Finance mobile app launched in 2021 on iOS and Android, while a 300+ member Client Success Team provides 24/7 single-call resolution supported by over 10,000 hours of specialized empathy training in 2025.

Beyond Finance's business model is built on success-based fees of 15%-25% on enrolled debt balance in the debt resolution program (with no upfront charges), origination-based affiliate revenue on consolidated loans, and an affiliate referral channel at beyondaffiliates.com. Distribution is direct-to-consumer via a free online evaluation flow, an inside sales call center of more than 900 Accredited Debt Relief specialists, organic content marketing (financial wellness blog, video library, weekly webinars, recurring national surveys) and partnerships with nonprofit organizations including Operation HOPE, Hiring Our Heroes, Blue Star Families and Wounded Warrior Project. Capital structure is partially visible through a $635 million senior credit facility led by Comvest Credit Partners (upsized August 2023) with Pathlight Capital LP and Fortress Investment Group LLC as participating lenders; no equity investors, founder ownership, or institutional shareholders are disclosed in the input.

Name

Beyond Finance

Legal name

Beyond Finance

Website

https://beyondfinance.com

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Beyond Finance is a U.S. debt consolidation and financial wellness company that helps consumers with $20,000+ in unsecured debt consolidate payments, negotiate creditor settlements, and build lasting financial habits. Revenue is earned through success-based resolution fees and affiliate lender origination.

Ownership category

akta.pro rank

Product category

Consumer Debt Consolidation Services

NAICS

Credit Intermediation and Related Activities (522)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Multi-Loan / Multi-Creditor Consolidation Loans (FSAKAIAD)

akta.pro secondary industries

Credit Card Debt Consolidation Loans (FSAKAIAC), Debt Consolidation Personal Loans (Unsecured Installment) (FSAKAAAD), Financial Literacy, Debt Counseling & Default Prevention (EDALAJAK)

Keywords

• Debt consolidation services
• Debt resolution programs
• Credit counseling services
• Consumer debt settlement
• Financial wellness education

Headquarters

HQ city

Houston

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Success-Based Debt Resolution Fees: Primary revenue stream: Beyond Finance charges success-based fees on its debt resolution program. Fees are calculated as a percentage of the enrolled balance and typically run from 15% to 25%, depending on debt amount and state. There are no upfront fees to enroll — Beyond Finance does not earn until clients see results. Clients pursuing debt consolidation options who make all monthly deposits pay back approximately 55% of enrolled debt before fees on average.
2. Debt Consolidation Loan Referral / Origination: When clients are matched for a debt consolidation loan, the loan is funded by an affiliated lender. Consolidation loan options range from $1,000 to $100,000 with APRs of 4.9%-35.99%, origination fees of 1%-6%, and loan terms of 4-84 months. A typical $14,000 loan example produces $700 in origination fee revenue (5%). Beyond Finance earns via affiliate/lender relationships on these originated loans.
3. Affiliate Referral Program: Beyond Finance operates a dedicated affiliate program (beyondaffiliates.com) that drives referral traffic to the company's debt consolidation services. Generates revenue via referred customers who enroll in programs.
4. Financial Wellness Content & Educational Resources (Freemium): Free, open-access financial wellness content (blog articles, video library, RESET™ curriculum) that drives top-of-funnel demand generation. No direct revenue is generated by the free content itself; its purpose is to attract and convert leads into debt resolution clients.

Pricing tiers

Go-to-market motion4 records

Distribution channels5 records

Marketing channels10 records

Core offering

Beyond Finance helps U.S. consumers with $20,000+ in unsecured debt (credit cards, personal loans, medical bills, some private student loans) consolidate and resolve it through debt consolidation loan matching, debt resolution programs that negotiate with creditors, credit counseling, and a free financial wellness programming built on a proprietary Financial Wellness RESET™ framework. The company earns success-based fees (15%-25% of enrolled balance) on debt resolution and origination fees from affiliated lenders, with no upfront fees to enroll.

Product overview

Beyond Finance operates as a single, integrated debt consolidation and financial wellness platform (rather than a modular platform-plus-add-ons architecture), centered on its core debt consolidation and debt resolution programs and supported by its sub-brand Accredited Debt Relief (which handles client intake and evaluation for debt consolidation loans, debt resolution, and credit counseling). Enrolled clients access the platform through the Client Dashboard (web) and the Beyond Finance Mobile App (iOS and Android), which provides 24/7 progress tracking. Layered on top of the core debt services is the proprietary Financial Wellness RESET™ Framework, an educational methodology developed by Chief Financial Wellness Advisor Dr. Erika Rasure, PhD, CFT™. The framework is operationalized through three named offerings: the Financial Wellness RESET™ Assessment (a 20-question self-assessment), the Financial Wellness RESET™ Curriculum (a free five-module self-paced educational program), and weekly live Financial Wellness Sessions led by certified financial therapists Dr. Rasure and Nathan Astle. The company's products work together as a unified whole: the debt consolidation program resolves clients' financial obligations, while the RESET Framework and associated assessment, curriculum, and weekly sessions build the behavioral and emotional skills to sustain long-term financial wellness after graduation.

Differentiator

Problem solved

Functional benefit

Brands

• Accredited Debt Relief: Sister brand through which Beyond Finance evaluates consumers for debt resolution program options; the About page also references over 900 team members delivering services under this brand with 13+ years of debt industry experience.
• Financial Wellness RESET™

Products and services

• Beyond Finance Debt Consolidation & Financial Wellness Program Core program that helps U.S. consumers with unsecured credit card, personal loan, medical, and some private student loan debt (typically $20,000+) enroll in a structured program to lower monthly payments by 40% or more and resolve debt in 24-48 months. Combines creditor negotiation, financial wellness coaching, and access to certified financial therapists.
• Accredited Debt Relief Sub-brand whose team of over 900 debt specialists evaluates prospective clients for debt consolidation loans, debt resolution programs, and credit counseling options; functions as the front-end intake and evaluation arm of Beyond Finance.
• Beyond Finance Mobile App Native iOS and Android app for enrolled clients that provides 24/7 access to the program, ability to monitor progress, and convenient program tracking. Exclusive to currently enrolled Beyond Finance clients.
• Client Dashboard Online web portal where enrolled Beyond Finance clients log in to view their program details, track progress, and manage their account. New users activate access through identity verification using email and last four digits of SSN.
• Financial Wellness RESET™ Framework Proprietary clinically-informed five-pillar framework (Recenter, Examine, Simplify, Empower, Transform) developed by Dr. Erika Rasure, PhD, CFT™ that addresses the behavioral, emotional, and nervous-system dimensions of financial wellness. Forms the foundation of Beyond Finance's financial wellness programming.
• Financial Wellness RESET™ Assessment 20-question self-assessment tool developed by Dr. Erika Rasure, PhD, CFT™ that measures where an individual stands across the RESET framework's five dimensions. Completes in approximately three minutes. Designed as a self-reflection tool, not a clinical evaluation.
• Financial Wellness RESET™ Curriculum Free five-module self-paced educational program developed by Dr. Erika Rasure, PhD, CFT™ that guides learners through each RESET framework pillar. Available to everyone at no cost as an educational and informational resource.
• Debt Consolidation Loan Offering Affiliate-provided personal loan product ranging from $1,000 to $100,000 with APRs of 4.9% to 35.99%, origination fees of 1% to 6%, and terms of 4 to 84 months. Used to pay off higher-interest debts and consolidate into a single monthly payment.
• Debt Resolution Program Program in which Beyond Finance consolidates client debts and negotiates with creditors to secure more affordable repayment terms and reduce balances, limiting the impact of interest. Typical duration is 2-4 years with success-based fees of 15%-25% of enrolled balance.
• Credit Counseling Counseling service in which a counselor assists with budgeting, financial planning skills, or a debt management plan that works with creditors to reduce interest and waive fees. Available through Beyond Finance's Accredited Debt Relief brand.
• Weekly Financial Wellness Sessions Five live weekly group financial wellness sessions led by Beyond Finance's certified financial therapists, Dr. Erika Rasure and Nathan Astle. Sessions address all aspects of clients' financial health including budgeting, savings, relationships with money, and managing financial stress.

Quantifiable outcome

• Cuts monthly payments by 40% or more on enrolled debt (average $480/month savings)
• +6 more outcomes

Named customers13 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Operation HOPEcoreOthersOperation HOPE is a nonprofit focused on financial literacy and economic empowerment for underserved communities. Beyond Finance partners with Operation HOPE on Financial Practice Week and jointly published research on Gen Z / Millennial 'survival spending' in March 2026.
• Wounded Warrior ProjectminorOthersBeyond Finance supports Wounded Warrior Project through its Rising Beyond philanthropic program, which provides financial wellness support to injured veterans and active-duty military families.
• Blue Star FamiliesminorOthersBeyond Finance supports Blue Star Families through its Rising Beyond philanthropic efforts focused on military and veteran family financial wellness.
• Hiring Our HeroescoreGTM or Marketing PartnerBeyond Finance has partnered with Hiring Our Heroes (U.S. Chamber of Commerce Foundation) to help service members, veterans, and military spouses find meaningful employment, and to recruit, hire and empower veterans in the private sector.
• YourUpdateTVminorGTM or Marketing PartnerBeyond Finance conducted a satellite media tour with YourUpdateTV to discuss survey findings on financial stress and men's mental health during Men's Mental Health Awareness Month.
• 261 FearlessminorOthersBeyond Finance supports 261 Fearless, a global nonprofit organization that empowers women through running, helping its leaders strengthen an often-overlooked aspect of fundraising success: their personal relationship with money.

Scale indicators9 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• National Debt Relief: One of the largest U.S. debt settlement companies, directly competing with Beyond Finance in the multi-creditor unsecured debt resolution category. Targets similar paycheck-to-paycheck consumers with credit card and personal loan debt and uses a comparable success-based fee model.
• Freedom Debt Relief (Achieve): Major U.S. debt resolution provider (now part of Achieve) offering settlement and consolidation services to consumers with $7,500+ unsecured debt. Directly comparable business model, fee structure, and target customer segment to Beyond Finance.
• Consolidated Credit: Nonprofit credit counseling and debt management organization offering debt consolidation and DMP services. Comparable to Beyond Finance's credit counseling arm but with a nonprofit structure and stronger focus on DMPs versus settlement.
• Americor Funding: U.S. debt resolution and consolidation company using a similar success-based fee model targeting consumers with unsecured credit card and medical debt. Directly comparable in product offering, GTM, and target customer.
• GreenPath Financial Wellness: Nonprofit credit counseling and financial wellness organization providing debt management plans, credit counseling, and financial education. Closely aligned with Beyond Finance's credit counseling and RESET™ financial wellness positioning, though on a nonprofit basis.
• Clearpoint Credit Counseling Solutions: Nonprofit credit counseling agency offering debt management plans, housing counseling, and student loan counseling. Comparable to Beyond Finance's credit counseling arm and financial wellness programming in mission and target audience.
• Money Management International: Nonprofit credit counseling and debt management agency providing credit counseling, DMPs, and financial education to U.S. consumers. Comparable to Beyond Finance's credit counseling arm in services and target customer base.

Broad incumbents

• LendingClub: Public U.S. fintech and digital bank offering personal debt consolidation loans, banking, and credit products. Overlaps with Beyond Finance's debt consolidation loan matching arm but operates as a broader consumer finance platform.
• SoFi: Large public U.S. consumer finance platform offering personal loans for debt consolidation along with banking, investing, and credit cards. Overlaps with Beyond Finance on the consolidation loan use case but addresses a much broader consumer finance market.
• Marcus by Goldman Sachs: Goldman Sachs' consumer banking arm offering personal loans for debt consolidation and high-yield savings. Comparable on the consolidation loan product but sits within a much larger diversified financial institution.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat7 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/beyond_finance
• YouTubeyoutube.com/@beyondfinance5099
• Facebookfacebook.com/MoveBeyondDebt
• LinkedInlinkedin.com/company/beyond-finance
• Instagraminstagram.com/beyondfinancedebtrelief

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles15 records

Subsidiaries1 record

Funding overview

Funding rounds4 records

Investors2 records

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 Beyond Finance