ShadeMagic

Description of ShadeMagic program from Softdepia.com:

Here is an answer to web graphics creators who wanted to work with more sophisticated pieces of gradient patterns. Just a single click on the toolbar button will fill text with gradient pattern by cutting out the area where text overlaps an image. You can also add text to an image and retouch it much more easily than the previous version.

ShadeMagic is a "Free to try" program. You can download and try it for an evaluation period.