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Kashable Holdings Inc.: Business Overview, Financials & Competitive Analysis

Kashable Holdings Inc. scores 7/10 on the AskCyborg Cyborg Score (Strong). Kashable capitalizes on structural employer demand for financial wellness benefits while building durable fintech infrastructure in underserved payroll-deduction lending. 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.

What is Kashable Holdings Inc.'s industry? Kashable Holdings Inc. (kashable.com) operates in Financial Technology (Fintech). AskCyborg classifies Kashable Holdings Inc. under Financial Technology (Fintech) in its company registry.

Kashable is a financial technology company that provides employer-sponsored lending and financial wellness solutions to employees. The company offers socially responsible financing to employees as an employer-sponsore...

7/ 10Strong

Cyborg Score thesis

Kashable capitalizes on structural employer demand for financial wellness benefits while building durable fintech infrastructure...

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Industry Financial Technology (Fintech)
4 named competitors
3 recent developments
11 analyst dimensions
Synthesized from analyst-debate stress-testing across 11 dimensions and hundreds of data points. Methodology →
Cyborg Score recalibrated: November 9, 2026
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Kashable Holdings Inc. OverviewStrategic ProfileCompetitive LandscapeIndustry ContextKey facts
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Kashable Holdings Inc. Overview

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Kashable is a financial technology company that provides employer-sponsored lending and financial wellness solutions to employees. The company offers socially responsible financing to employees as an employer-sponsored voluntary benefit. Since its founding in 2013, Kashable has originated nearly $1.5 billion in affordable loans through its platform and continues to expand its footprint, now reaching over 4 million employees across Fortune 500 companies, government agencies, and mid-sized employers spanning all industries.

Strategic Profile

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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.

Competitive Landscape

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Kashable operates in the employer-sponsored financial wellness and payroll lending space, competing with fintech lenders offering employee credit products. Primary competition includes Happy Money (personal loans for debt consolidation), Achieve (debt resolution and financial education), and Conduitive (lending operations software). However, Kashable's direct distribution through employer benefits platforms and payroll integration create differentiated switching costs. Traditional payroll lenders and 401(k) loan programs represent indirect competitive pressures.

Industry Context

Kashable Holdings Inc. operates in Financial Technology (Fintech).

Key facts

Founded: 2013 · Headquarters: New York, US · Employees: N/A · Revenue: N/A · Market cap: N/A

What the AI analysts debated

AI-generated and not independently verified: selected findings from the multi-agent debate on Kashable Holdings Inc..

  • 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
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Recent developments

Material events tracked by the AskCyborg corpus.

  • May 2025Closed $250 million credit facility with Nomura Corporate Funding Americas as lead lender to expand lending capacity
  • January 2024Completed Series B funding round; total capital raised increased to approximately $400 million across equity and debt
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Named competitors

Pulled from the analyst-debate framework. Click any competitor to see their Cyborg Score.

EarnInEarned wage access and financial wellness platform for employees→PayactivOn-demand pay and financial wellness solution for hourly workers→BranchEarned wage access and financial wellness platform integrated with payroll→BeneMoneyEmployer-based emergency loans and financial wellness for employees→

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Industry context

Kashable Holdings Inc. operates in Financial Technology (Fintech). See how the rest of the sector scores on the Cyborg framework.

Top companies in Financial Technology (FinTech) by Cyborg Score

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How AskCyborg research is made

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Frequently asked questions

What does Kashable Holdings Inc. do?+
Kashable is a financial technology company that provides employer-sponsored lending and financial wellness solutions to employees. The company offers socially responsible financing to employees as an employer-sponsore...
What is Kashable Holdings Inc.'s Cyborg Score?+
Kashable Holdings Inc. has a Cyborg Score of 7/10 (Strong). The score synthesizes business model, financials, leadership, competitive position, technology, marketing, and ESG dimensions across hundreds of data points.
Who are Kashable Holdings Inc.'s main competitors?+
Named competitors include EarnIn, Payactiv, Branch, BeneMoney. The full competitive landscape is in the AskCyborg report.
How can I get the full Kashable Holdings Inc. research report?+
Get the report plus analyst-debate audio at askcyborg.com -- no credit card required for preview access. Pro adds saved-company audio playlists and monitoring.
How current is the Kashable Holdings Inc. research?+
The Cyborg Score is recalibrated weekly. Recent developments are tracked continuously and surfaced in every report.

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More Financial Technology (Fintech) research

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8SoFi Technologies, Inc.7Circle Internet Group, Inc.7Money Forward, Inc.7Propel Holdings Inc.7Robinhood Markets, Inc.7StoneCo Ltd.7Webull Corporation7WEX Inc.6AvenuesAI Limited (formerly Infibeam Avenues Limited)6Pagaya Technologies Ltd.Top companies in Financial Technology (FinTech) by Cyborg Score