BrightDime
BrightDime is a Charlotte, NC-based financial wellness platform founded in 2014 that offers employers subscription-based digital tools combined with unlimited one-on-one certified financial coaching to help employees manage debt, build credit, save, and plan for retirement.
- Company typePrivate
- Founded2014
- HeadquartersCharlotte, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What BrightDime does
BrightDime, Inc. is a Charlotte, North Carolina-based financial wellness software and services company founded in 2014 by David Stedman, a former Goldman Sachs and Barclays Capital executive and former hedge fund CEO. The platform combines a digital application stack with unlimited human one-on-one coaching to help employees manage debt, build credit, save, plan for retirement, navigate mortgage and home equity decisions, and execute basic estate planning. Core technology includes a Financial Wellness Dashboard, an educational content library, monthly live webinars and spotlight sessions, QR-code-enabled frictionless coach access, and account aggregation integrated through Plaid under contract, backed by SOC 2 Type II compliance.
The product is structured as a three-tier subscription sold per eligible employee per month with minimum monthly commitments: BrightDime Complete at approximately $1.50/user/month with full coaching and premium analytics; BrightDime Core at approximately $0.20/user/month with education and webinars plus coaching available as an add-on; and BrightDime Essentials, offered free to enterprises with at least 5,000 eligible users, providing targeted support with add-on coaching and aggregation. Distribution is dual-track: a direct enterprise sales motion targeting HR and benefits decision-makers, and a structured partner program with referral, strategic, integration, and reseller tiers for HR service providers (USI, Wellworks For You), benefits administration platforms (Benefitfocus), insurance carriers (Aflac), and benefit-navigation partners (BenefitBump).
The company serves primarily employers, HR leaders, benefits consultants and brokers, and individual employees as end users. Named customers and partners include Aflac, BJ's Restaurant, USI, Wellworks For You, Benefitfocus, Vitality, UBA, LifeBalance, and BenefitBump, spanning insurance, hospitality, HR services, and benefits administration. The company operates with a small 11-50 employee team, has not raised institutional venture capital beyond a 2017 $1.7M round, and discloses no revenue figures.
BrightDime firmographics
Firmographics- Name
- BrightDime
- Legal name
- BrightDime, Inc.
- Website
- https://brightdime.com
- Company type
- Private
- Founded year
- 2014
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- BrightDime is a Charlotte, NC-based financial wellness platform founded in 2014 that offers employers subscription-based digital tools combined with unlimited one-on-one certified financial coaching to help employees manage debt, build credit, save, and plan for retirement.
- Ownership category
- akta.pro rank
BrightDime industry classification
Industry- Product category
- Financial Wellness Software
- akta.pro primary industry
- Employee Financial Wellness Platforms (Workplace PFM) (FSAGADAK)
- akta.pro secondary industries
- Financial Education & Coaching (Digital Programs, Tools) (FSAGADAH), Expense Tracking & Financial Dashboards (FSAGADAB), Budgeting & Cash-Flow Management (FSAGADAA)
Keywords
Where BrightDime is headquartered
LocationHeadquarters
- HQ city
- Charlotte
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
BrightDime business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales
Revenue model
- BrightDime Complete Subscription: Full financial wellness platform with one-on-one coaching, dashboard, educational content, webinars, and premium analytics. Sold per eligible employee per month with minimum monthly commitment.
- BrightDime Core Subscription: Financial education platform that scales across workforce with educational content and webinars. Account aggregation available as add-on. Sold per user per month.
- BrightDime Essentials: Targeted support for key financial challenges including debt reduction and savings habits. Free for enterprise accounts meeting minimum 5,000 users requirement.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Per seat | Monthly | Full financial well-being experience with one-on-one coaching and savings planning |
| Per seat | Monthly | Financial education that scales across workforce |
| Freemium | Monthly | Targeted support for key financial challenges |
Go-to-market motion3 records
Distribution channels2 records
Marketing channels6 records
BrightDime product offering
Product offeringCore offering
BrightDime sells a subscription-based financial wellness platform to employers, combining digital tools (dashboard, educational content, webinars, account aggregation via Plaid) with unlimited one-on-one coaching by certified financial experts. The platform is offered in three tiers (Complete, Core, Essentials) priced per eligible employee per month, with optional add-ons including coaching, account aggregation, and custom events.
Product overview
BrightDime is a financial wellness platform designed for employers to offer employees personalized financial guidance. The platform operates as a tiered subscription model with three main products: BrightDime Complete (premium tier at $1.50/user with full features including one-on-one coaching and premium analytics), BrightDime Core (mid-tier at $0.20/user with standard features and coaching as add-on), and BrightDime Essentials (free for enterprise with 5,000+ users, basic tier with add-on options). The platform combines digital tools with human financial coaching, offering features including a Financial Wellness Dashboard, Educational Content, Monthly Webinars, Account Aggregation (via Plaid), and One-on-One Coaching. Additional specialized modules cover Build Credit, Boost Savings, Open Emergency Savings Fund, Roll Over Your Retirement, Easy Estate Planning, Understanding Your Mortgage Options, and Access Your Home Equity. The platform targets employers seeking to improve employee financial wellbeing through a blended approach combining live coaching supported by digital resources.
Differentiator
Problem solved
Functional benefit
Products and services
- BrightDime Complete Premium tier financial wellness subscription for employers, providing a full financial well-being experience for employees including one-on-one coaching, savings planning, dashboard, educational content, monthly webinars, account aggregation, custom events, premium employer support, and premium analytics. Priced from $1.50 per eligible user per month with a $250 monthly minimum.
- BrightDime Core Mid-tier financial wellness subscription for employers that scales financial education across the workforce, including Financial Wellness Dashboard, Educational Content, and Monthly Webinars. One-on-One Coaching, Account Aggregation, and Custom Events available as add-ons. Priced from $0.20 per user per month with a $250 monthly minimum.
- BrightDime Essentials Entry-level tier financial wellness offering targeted support for key financial challenges employees face, from debt reduction to savings habits. Free for enterprise accounts meeting a minimum 5,000 users requirement, including Financial Wellness Dashboard, Educational Content, and Monthly Webinars with coaching and account aggregation as add-ons.
- One-on-One Financial Coaching Unlimited personalized financial coaching sessions with certified financial experts (including CFA charterholders) available to employees via mobile app and web. Provided as a core feature of the Complete tier and as an add-on for Core and Essentials tiers. Coaches offer confidential, judgment-free guidance on budgeting, debt, credit, savings, and retirement.
Quantifiable outcome
- 160% ROI for every $1 invested
- +3 more outcomes
Companies that use BrightDime
Customer profileNamed customers7 records
Segments4 records
Ideal customer profiles2 records
BrightDime technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
Feature4 records
BrightDime partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core.
- AflaccoreAflac partnered with BrightDime to provide financial wellness benefits to employees. BrightDime's platform integrates into Aflac's benefits offerings, offering employees access to one-on-one coaching, educational content, and digital financial tools.
- BenefitBumpcoreStrategic partnership to help improve the financial wellbeing of growing families. Family-friendly employers can access BrightDime's financial wellness platform through BenefitBump's benefit navigation and return-to-work program. Addresses the significant life and financial events of parenthood including planning, bonding, and raising children.
- BenefitfocuscoreIntegration partnership allowing BrightDime's financial wellness platform to be delivered through Benefitfocus's benefits administration platform. Enables seamless access for employees using Benefitfocus for their benefits management.
- USIcoreUSI is an HR services provider that offers BrightDime financial wellness as part of their comprehensive benefits solutions to clients.
- Wellworks For YoucoreHR benefits provider that partners with BrightDime to offer financial wellness programs to their client organizations.
- PlaidcoreTechnology partnership for account aggregation. BrightDime works with Plaid under contract to access and retrieve account information from third-party financial institutions, displaying it as part of the financial wellness service.
Scale indicators5 records
Recent moves6 records
Expansion highlights5 records
BrightDime competitors and assessment
Company assessmentBroad incumbents
- Edelman Financial Engines: Largest US workplace financial wellness and retirement planning provider, serving tens of millions of employees through employer-sponsored programs. Overlaps with BrightDime across financial coaching and digital tools but operates at far greater scale with bundled 401(k) advisory offerings.
- ADP TotalPay and Financial Wellness: ADP's payroll/HR platform embeds financial wellness and earned wage access offerings to employer clients. Competes for the same HR buyer wallet share via a deeply embedded payroll distribution channel.
- Fidelity Financial Wellness: Fidelity Investments' employer-sponsored financial wellness and planning services bundled with retirement recordkeeping. Competes with BrightDime for HR benefit budget but offers a far broader financial-services portfolio.
- Prudential Financial Wellness: Prudential's group insurance and employee benefits division offers workplace financial wellness programs alongside retirement and group benefits. Comparable employer-buyer focus with materially larger scale and product breadth.
Direct peers
- Edukate: Employer-paid financial wellness platform combining digital education with access to financial advisors. Overlaps BrightDime on coaching and content positioning within benefits packages.
- Enrich Financial Wellness: Workplace financial wellness provider delivering education, coaching, and tools to employees. Comparable tiered offerings and employer sales motion targeting mid-market and enterprise HR buyers.
- LearnLux: Workplace financial wellness platform offering digital tools plus certified financial planners, sold per-employee to employers. Closely mirrors BrightDime's blended coaching + dashboard model with a venture-backed scale playbook.
- My Secure Advantage: Provider of workplace financial wellness benefits including unlimited coaching, webinars, and online resources, sold to employers. Similar product surface and per-employee subscription model.
- Financial Finesse (Kuvio Health): Workplace financial wellness firm providing one-on-one coaching, group education, and digital planning tools to employer clients. Directly comparable service mix and target buyer (HR/benefits leaders).
- SmartDollar: Dave Ramsey's employer-sponsored financial wellness platform combining budgeting tools, educational content, and coaching. Directly comparable to BrightDime Complete/Core in product scope and B2B2E GTM to HR leaders.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
BrightDime social profiles
Digital presenceBrightDime compliance and trust
Trust signalCompliance1 record
BrightDime financial estimates
Financial estimateRevenue estimate
Valuation estimate
BrightDime leadership team
Management profileNumber of profiles
Profiles2 records
BrightDime funding detail
Funding detailFunding overview
Funding rounds2 records
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
BrightDime M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about BrightDime
What does BrightDime do?
BrightDime sells a subscription-based financial wellness platform to employers, combining digital tools (dashboard, educational content, webinars, account aggregation via Plaid) with unlimited one-on-one coaching by certified financial experts. The platform is offered in three tiers (Complete, Core, Essentials) priced per eligible employee per month, with optional add-ons including coaching, account aggregation, and custom events.
Is BrightDime a public or private company?
BrightDime is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was BrightDime founded?
BrightDime was founded in 2014. It employs 11 to 50 people.
Where is BrightDime based?
BrightDime is headquartered in Charlotte, United States, in the North America region.
How does BrightDime make money?
Three revenue lines are on record. BrightDime Complete Subscription is the primary driver. The others are brightDime Core Subscription and brightDime Essentials.
Who are BrightDime's main competitors?
Broad incumbents on record are Edelman Financial Engines, ADP TotalPay and Financial Wellness, Fidelity Financial Wellness and Prudential Financial Wellness. Direct peers are Edukate, Enrich Financial Wellness, LearnLux, My Secure Advantage, Financial Finesse (Kuvio Health) and SmartDollar.
Does BrightDime have an API?
No public API is recorded for BrightDime.
What industry is BrightDime in?
BrightDime's product category is Financial Wellness Software. Its primary akta.pro industry code is FSAGADAK, Employee Financial Wellness Platforms (Workplace PFM), with a secondary code of FSAGADAH, Financial Education & Coaching (Digital Programs, Tools).