Kashable's platform provides financial wellness solutions that help employees to preserve retirement savings, improve their credit scores, and navigate financial hardships responsibly. In addition to its core consumer loan product, Kashable offers a holistic suite of financial wellness solutions—including budgeting tools, personalized financial coaching and credit monitoring—designed to support employees on their journey toward long-term financial health. The company has secured substantial debt capital to fuel growth and operates as a zero-cost benefit program for large employers.
Cyborg Score Rationale
Kashable's Series B equity round in January 2024 brought its total capital raised to nearly $400 million across equity and debt. In May 2025, the company closed a $250 million credit facility with Nomura Corporate Funding Americas as lead lender to support continued platform expansion and provide equitable, affordable credit. The company has achieved $1.5B in originations with rapidly accelerating growth trajectory and strong employer adoption.
Top Insights
Kashable has rapidly scaled to over 4 million employees across Fortune 500 companies and government agencies, demonstrating strong B2B employer adoption of financial wellness benefits
The company has raised approximately $400 million across equity and debt, with recent debt financing in May 2025 signaling strong lender confidence in unit economics and portfolio quality
Kashable offers loan amounts from $250 to $30,000 with APR ranging from 6% to 35.99%, positioning it as a lower-cost alternative to credit cards and predatory lenders
The company operates on a zero-cost or minimal-fee model for employers with 300+ employees, removing barriers to adoption while capturing borrower economics
Named Competitors
EarnIn — Earned wage access and financial wellness platform for employees
Payactiv — On-demand pay and financial wellness solution for hourly workers
Branch — Earned wage access and financial wellness platform integrated with payroll
BeneMoney — Employer-based emergency loans and financial wellness for employees
Recent Developments
(May 2025) Closed $250 million credit facility with Nomura Corporate Funding Americas as lead lender to expand lending capacity
(January 2024) Completed Series B funding round; total capital raised increased to approximately $400 million across equity and debt
(2026) Announced partnership with Aptia to integrate Kashable as the first partner in Aptia's platform ecosystem
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