Growth Angels Talent Investing
GATI.org is an angel investment syndicate that invests in students
who have high future potential. |
For students seeking funding, there is now an alternative to Federal Parent PLUS & Private Student Loans
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Join our syndicate, a group of accredited angel investors led by GATI.org that invests in talented students
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Open Scouting allows you to privately share & recommend any great student you think GATI.org should meet
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"Society makes big bets on Silicon Valley startups, so why not on 'gifted & talented' students promising solid returns on multiple levels.”
FAQ
What is a Syndicate?
A group of investors pooling their resources together for the purpose of making an equity investment into individual students.
A group of investors pooling their resources together for the purpose of making an equity investment into individual students.
What's an ISA?
Income Share Agreement ("ISA") is a contractual agreement in which a student receives education funding in exchange for an agreed upon percentage of income over a defined number of years after the student's "exit" from school.
Income Share Agreement ("ISA") is a contractual agreement in which a student receives education funding in exchange for an agreed upon percentage of income over a defined number of years after the student's "exit" from school.
What's an SPV?
SPV stands for Special Purpose Vehicle. GATI.org creates a new SPV (i.e., Syndicate) whenever we invest in a student. The legal structure of the SPV is an LLC.
SPV stands for Special Purpose Vehicle. GATI.org creates a new SPV (i.e., Syndicate) whenever we invest in a student. The legal structure of the SPV is an LLC.
What are the benefits to students?
ISAs via SPVs (like GATI.org Syndicates) offer students alternative to debt. Debt creates substantial risks to students if they cannot afford their payments during and after college, whereas ISA payments adjust according to levels of income. In addition, there is a minimum income threshold and a maximum total payment cap, so students who receive funding via GATI.org will not pay if they do not meet a minimum income level, while those who earn a substantial amount of income will not pay above a certain maximum total amount.
An immeasurable benefit of GATI.org is the life-long mentorship and guidance that often accompanies the ISA. Because each investor proactively and privately chooses which student(s) to fund (when they participate and pool their money into a SPV), every investor is authentically committed and genuinely concerned for the student's success. This is unlike any other form of educational funding. It brings a layer of personal care and deepens relationships across benefactor and beneficiary.
ISAs via SPVs (like GATI.org Syndicates) offer students alternative to debt. Debt creates substantial risks to students if they cannot afford their payments during and after college, whereas ISA payments adjust according to levels of income. In addition, there is a minimum income threshold and a maximum total payment cap, so students who receive funding via GATI.org will not pay if they do not meet a minimum income level, while those who earn a substantial amount of income will not pay above a certain maximum total amount.
An immeasurable benefit of GATI.org is the life-long mentorship and guidance that often accompanies the ISA. Because each investor proactively and privately chooses which student(s) to fund (when they participate and pool their money into a SPV), every investor is authentically committed and genuinely concerned for the student's success. This is unlike any other form of educational funding. It brings a layer of personal care and deepens relationships across benefactor and beneficiary.
Is ISA a loan?
Most ISAs used by other institutions are pure loans, but this isn't the case with GATI.org. Our ISAs are not debt instruments, but rather equity instruments. This means that students are effectively receiving investments rather than loans.
Most ISAs used by other institutions are pure loans, but this isn't the case with GATI.org. Our ISAs are not debt instruments, but rather equity instruments. This means that students are effectively receiving investments rather than loans.
Will students receiving funding from GATI.org be required to fully pay the money that was given?
An ISA recipient is simply required to pay the agreed upon percentage of post-graduation (a.k.a. post-exit) income for the prescribed term of the contract. After making good faith + successful payments over that term, no additional payments are required even if the student has paid less than the amount of funding he/she received.
An ISA recipient is simply required to pay the agreed upon percentage of post-graduation (a.k.a. post-exit) income for the prescribed term of the contract. After making good faith + successful payments over that term, no additional payments are required even if the student has paid less than the amount of funding he/she received.
Can students repay the full investment amount early?
Students can prepay by paying the total payment cap that is stated in the contract.
Students can prepay by paying the total payment cap that is stated in the contract.