The platform administrators trust when accountability is non-negotiable.

Theodore applies the eligibility rules, tracks every dollar, and keeps your program audit-ready — so you can serve more students without taking on more risk.

Students studying together at a wooden desk

Trusted by nonprofit organizations and state agencies

$1.3B
Education funds administered
300,000+
Students and families served
15+
State implementations
10+ yrs
Experience building K-12 tech infrastructure
Our mission

The guardrails and accountability programs demand. The flexibility families and vendors love.

We empower education programs with a secure platform that saves administrators time and money — and gives families, schools, and vendors effortless access.

Your program has a mission. Your admin budget has a ceiling.

Programs often stitch together separate systems for intake, eligibility, disbursement, and reporting. Theodore replaces that patchwork: cloud-based, secure, program-isolated platform architecture, configured to the exact legislation or rules of any K–12 program.

Verification by hand

In many programs, eligibility decisions still rely on paper and phone calls to a call center.

Money in too many places

Checks, ACH, third-party apps, and reimbursement backlogs — each through a different system.

Families waiting to be paid back

Some programs still ask families to spend first and file for reimbursement later.

Audits that start from zero

Reporting means pulling data from five systems into spreadsheets — every quarter.

Meet Theodore

One platform. Every kind of K-12 education funding program.

Theodore is a purpose-built, white-labeled education funding platform for K-12 — cloud-based, secure, program-isolated, and configured to the exact legislation or rules of any program. State ESAs, Tax Credit Scholarships, microgrants, managed spending programs.

01 / State ESA
Education Savings Accounts
State-appropriated · per-state rules
// Configured per state
expense: per legislation
cap: per program
income: per program (AMI)
02 / Tax credit
Tax Credit Scholarships
Donor-funded · 501(c)(3) SGO administered
// Program rules
source: donor_contribution
household: per_program_AMI
receipts: donor_side
03 / Family Grant
Family Grants & Managed Spending
Configurable to any program’s rules
// Program rules
size: $50–$5,000
categories: configurable
payout: on_approval
Theodore Platform
State ESAs, Tax Credit Scholarships, family grants, and managed spending programs — all on the same infrastructure.
Program type
State ESAs
Tax Credit Scholarships
Family Grants
Managed Spending Programs

Ready for the Federal Scholarship Tax Credit

Your school raises it. We move it. You stay in control. Here's how every dollar flows.

1

Donation pages

Turn every school into a fundraiser.

Launch branded donation pages for your organization, each school, or a specific fund — shareable via QR codes and embeddable on school websites.

Persona ID · Verified
Pass
Income · AMI threshold
Eligible
Program rules applied
Configured

2

Verify

Eligibility without waiting for weeks.

Families start their application in minutes. Theodore checks identity with Persona and income against program rules in real time — so eligibility decisions happen before anyone picks up a phone.

3

Move

Funds move through the platform, not a workaround

Funds move through our sponsor bank, Bangor Savings Bank, Member FDIC, via TheoPay™. Every dollar is tracked from disbursement to spend. No third-party payment apps involved.

See TheoPay™ →
TheoPay™ card issued
Locked to vendor, amount, and window
Approved
$XX.XX — Amazon
TI-84 Calculator · Supplies
Settled
Compliance report
100% transactions documented
Complete

4

Prove

Audit-ready on any given Tuesday.

Auditors expect evidence on demand. Theodore makes every dollar traceable to its source, with every transaction documented and export-ready.

4
Disbursement paths
4
End-user account types
SOC 2
Type II · Annually audited
U.S.
Onshore data & teams

See Theodore configured for your program.

Trust layer

Integrated with trusted, enterprise-grade partners.

Persona-powered identity & income verifications for grant applicants. Plaid-powered secure account connections (connection only).

SOC 2 Type IIBanking-grade architecture24/7 monitoringOnshore data & U.S.-based supportSponsor Bank: Bangor Savings Bank, Member FDIC

Designed for every role in the funding flow.

Each group gets an experience designed for what they need to do.

Scholarship granting organizations

Take in donor contributions, issue receipts, manage scholarships, and report to boards and regulators.

For SGOs →

State agencies

Configure the platform to your legislation, brand it as yours, and run your program on infrastructure built for procurement.

For states →

Schools & providers

Receive direct ACH payments, set up branded donation pages, and track disbursements without chasing invoices.

For schools →

Families

Apply from a phone, spend at approved vendors, and see your balance in real time.

For families →

Spend your budget on students, not systems.

See how Theodore is configured for your program — with your rules, your brand, and your authority.