benfinia

Ethical business financing for any business independent of its credit rating, and free flexible payday for their employees!

Service:

Our service comes with three services creating a virtuous financing and benefits cycle:

human.cap: competitive, ethical flexible business financing facility without collateral or other compromises for any business

flex.pay: free flexible payday for employees to boost employee well-being

well.score: employee wellbeing score in line with European ESG directive to enable bankability of businesses

Benefits

Employees flexible pay reduces their financial stress, increases their wellbeing and thereby their mental health. This also leads less distraction at work, deduced absenteeism and employee churn which all leads to higher productivity

Employers get ethical, flexible, competitive free cashflow financing without the need for collateral.

How

We use pay as collateral to underwrite the financing with our innovative Pay-backed Financing approach! No other collateral required - so eligible for any business who has employees.

Easy to implement! No changes to your existing processes required.

Stage

Fintech startup, gearing up to launch our unique service