![Thumbnail image for ReadyForZeroLogo.jpg](http://s3.amazonaws.com/finovate-archive/old/finovatewebsite/assets_c/2012/01/ReadyForZeroLogo-thumb-200x36-5138.jpg)
ReadyForZero, the startup that aims to get people out of debt faster, has helped users pay off $12.5 million of the $200 million in total debt under management. TechCrunch reported that frequent users are paying down their debt nearly twice as fast as infrequent users (see chart below).
![RFZDebt.jpg](http://s3.amazonaws.com/finovate-archive/old/finovatewebsite/assets_c/2012/03/RFZDebt-thumb-520x334-5659.jpg)
To help expand these numbers, the startup recently launched a platform for financial partners to make personalized offers. Here’s how it works:
- Advertisers create customized offers based on the user’s financial situation, for example credit score, debt-load, payment history, etc.
- ReadyForZero analyzes the offer for the user
- If it results in real savings, ReadyForZero passes it to the user
- If the user wants it, ReadyForZero connects them to the advertiser
To learn more about ReadyForZero, watch its FinovateFall 2011 demo.