Case Study: Accrue Savings Launches a Debt-Free Payment Alternative in 10 Months with A.Team

Accrue Savings launches debt-free checkout in 10 months with A.Team

Accrue Savings, a company aiming to provide a debt-free payment alternative for e-commerce, had a validated idea and retail partners but no product or engineering team. The non-technical founder, Michael Hershfield, faced the challenge of building a complex, compliant fintech product from scratch in time for the holiday shopping season, a timeline that made traditional hiring impossible.

A.Team assembled a specialized fintech engineering team to build the entire platform, handling regulatory complexity and integrating with merchant checkouts. Using A.Team, Accrue Savings launched its product in just 10 months, achieving a 77% increase in conversion rates, onboarding over 35 merchants, and winning a Time Magazine Best Invention award, which accelerated the company's fundraising and market entry.

Accrue Savings