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Ditch
Techstars '23Atlanta, US · 16 employees on LinkedIn · 1 known investors
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Ditch provides financial wellness software that helps individuals manage and reduce debt through extra payment tracking and management tools. The platform is offered by employers as an employee financial wellness benefit.
Also known as Ditch Technologies, Inc
Founders & leadership
Investors · 1
How we know: the Techstars portfolio · open dataset · Top 3000 Accelerator Startups (no YC) 2026-08 · Not right? Tell us
Company profile
researched Sep 2026Ditch (Ditch Technologies, Inc.) is an Atlanta, Georgia-based financial technology company that builds a mobile application for automated consumer debt repayment. Users link bank accounts through an onboarding flow the company says takes about four minutes and covers 96%+ of banking institutions, then configure "Payoffs" based on transaction round-ups, a percentage of spending, or a "smart" setting. Accumulated round-ups are withdrawn once they reach a user-set trigger amount (for example $25) and sent toward a selected liability such as a credit card balance, student loan, or car payment. The app also includes debt-focused manual budgeting with swipe-style transaction reviews, a consolidated debt dashboard with personalized insights, and Dani, an AI personal finance assistant. Balance checks and user-configured overdraft protection (minimum $100) are applied before withdrawals, and the company states it does not sell user data.
The company launched as an AI-powered debt companion with a consumer subscription app, but shifted emphasis after founder Luis Andino concluded that users resisted subscription fees and that an engagement-dependent app had to compete for attention with platforms such as TikTok and YouTube. Ditch rolled out its round-up product in May 2024, and in 2025 began moving into the enterprise market with an employee debt match program that lets employers match a portion of employee contributions toward consumer debt, analogous to 401(k) matching.
Business model
Consumer subscriptions are offered on the website in tiers — Basic at $3.99/month, Plus at $9.99/month, and Pro at $15.99/month — differentiated by number of linked debt accounts, minimum payment thresholds, processing fees, access to smart budgeting and the Dani AI assistant, and support level, with a 7-day free trial; a separate pricing page lists a $12.99 monthly or $79.99 yearly subscription after the trial. For the enterprise debt match program, pricing starts at $1 per employee per month, and rather than a monthly subscription the company states it generates revenue by taking a percentage of each round-up transaction.
Subscription fees from individual app users and, on the enterprise side, per-employee-per-month pricing combined with a percentage cut of each round-up transaction processed.
Traction
The company reports roughly $8,000,000 in debt paid off through the platform and, as of the 2025 Hypepotamus interview, 10,000 active users, 65% of whom downloaded the app organically. The round-up product introduced in May 2024 is described by the founder as having grown on its own.
Latest developments
Ditch introduced an employee debt match program that allows employers to match portions of employees' consumer debt payments, with pricing from $1 per employee per month and revenue taken as a percentage of each round-up transaction; HR and payroll company UKG is named as an early adopter. The founder reported the company had raised just under $1 million from Atlanta angels and institutional investors.
▸Full profile — market position, technology, go-to-market, geography, history
Market position
A small Atlanta fintech operating in consumer debt repayment and workplace financial wellness; the founder characterized the company in 2025 as "starting to feel product-market fit" as it moved into the enterprise space, citing U.S. household debt at an all-time high of $18.04 trillion per the Federal Reserve Bank of New York.
The company positions its personalized, per-user debt repayment strategy and automated round-up payments as distinct from other debt management platforms, and pairs behavioral budgeting mechanics with an AI assistant intended to supply accountability rather than only calculations.
Technology
Bank account aggregation covering thousands of institutions, automated round-up calculation and payment initiation with balance and overdraft checks, a consolidated debt dashboard with personalized repayment strategies, and Dani, an AI financial assistant available in the app's top tier.
Go-to-market
Direct-to-consumer mobile app distribution supported by organic acquisition (65% of users are reported to have downloaded the app organically) and social channels including TikTok, Instagram, LinkedIn, and Facebook, alongside a newer enterprise channel selling an employee debt match benefit to employers; HR and payroll company UKG is cited as an early adopter of the enterprise program.
Individual consumers carrying credit card balances, student loans, and auto loans — described as young professionals — and, through the enterprise program, employers of all sizes seeking a financial wellness benefit for their workforce.
Geography
Headquartered in Atlanta, Georgia, with offices at Atlanta Tech Village - Buckhead; the product serves U.S. banking institutions and consumers.
History
Ditch launched as an AI-powered consumer debt companion app with a subscription model. After concluding that subscription fees deterred users and that the app depended too heavily on active engagement, the team focused on a round-up tool, which it released in May 2024. In 2025 the company added an enterprise employee debt match program and began selling to employers.
Compiled by commissioned research from 7 cited public sources — announcements, filings, and press listed under research sources below.
Key figures
latest reportedCompany-reported or press-reported figures, each dated to when it was claimed — not independently audited.
Related companies · 6
Companies working in the same space as Ditch.
Timeline · 4
launches, deals, and filingsFounder Luis Andino said Ditch has raised just under $1 million from Atlanta angels and institutional investors.
$1M source ↗
HR and payroll company UKG is cited as an early adopter of Ditch's employee debt match program.
Ditch introduced an enterprise program allowing employers to match portions of employees' contributions toward consumer debt, similar to 401(k) matching, with pricing starting at $1 per employee per month and revenue taken as a percentage of each round-up transaction.
Ditch rolled out a round-up tool that sends small payments toward users' liabilities — credit card balances, student loans and car payments — each time they swipe their card. The founder said the product grew on its own with users.
Dated company events from announcements, filings, and press; legal rows summarize public dockets and regulator releases.
▸Research sources · 7
primary sources listed
- Ditchditch.io · web
7 public sources were cited for this profile; the first-party ones are listed here.
Frequently asked questions
- What does Ditch do?
- Ditch is an Atlanta fintech whose app routes purchase round-ups toward paying down consumer debt, plus an employer debt-match program.
- Who founded Ditch?
- Ditch was founded by Luis Andino.
- Who are Ditch's investors?
- Ditch's investors include Techstars.
- Where is Ditch headquartered?
- Ditch is headquartered in Atlanta, US.