Method

We founded Method Financial in 2021 to provide API connectivity to consumer credit and liability accounts with embedded payments. We give real-time data and payment access for liabilities like student loans, credit cards, personal loans, auto loans, and mortgages. With one integration, we connect to over 15,000 financial institutions in the US, covering 95% of outstanding consumer liabilities.

Our products:

• Connect: Users can link financial accounts using multi-factor authentication, accessing liabilities across 10,000+ financial institutions with just a phone number.
• Data: We provide real-time, comprehensive data directly from the source. This includes balances, transactions, due dates, payoff quotes, credit limits, and APR ranges. We also send instant alerts for balance changes, new accounts, and delinquency.
• Pay: We enable embedded liability and bill payments. This means users can make balance transfers, pay off loans, and set up recurring bill payments to any financial institution or biller in the US.

We work with lenders, fintechs, and financial institutions, helping them build personalized lending and financial management experiences. So far, we’ve helped 3 million users connect 24 million liability accounts and processed hundreds of millions of dollars in repayments.

Our vision is to redefine financial connectivity and move consumer finance forward. We operate by “The Method way,” which includes four core principles:

• Lead by action: We believe in hands-on involvement from start to finish.
• Move (uncomfortably) fast: We make quick decisions, iterate, and pivot when necessary.
• Take informed risks: We make calculated bets based on data and insights.
• Stay resilient: We have a growth mindset, viewing setbacks as opportunities to develop skills.

We have a team of 43 people. We maintain a hybrid work model with offices in Austin (The Domain), New York City (Soho), and Washington D.C. (Bethesda).

Our culture is built around a tight-knit, interdisciplinary team that is intentional about their work and environment. We enjoy the building process and celebrate results together. We foster a high-trust environment, which empowers us to do our best work collaboratively.

We offer a range of employee benefits, including flexible PTO, student loan contributions up to $5,250 annually, and full medical, dental, and vision insurance (up to 100% for employees, up to 50% for dependents). We also have a 401(k) option.

Employees receive $1,000 annually for learning and development, along with a home-base setup that includes a MacBook Pro M4 and a $1,000 WFH stipend. We also cover commuter expenses, provide lunch and coffee when working in the office, and offer a $750 annual lifestyle stipend.