Products

Six products, across two sides of the same business.

Two for the business, which carry a cost. Four for the people who work there, which cost the business nothing. Take one or take all of them.

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For the business, two products

Cash the business is owed, and cash it owes, on better timing.

Invoice factoring Cash on invoices already delivered

Sell an unpaid invoice instead of waiting on it. Most of the value reaches you in days, and the rest follows when your customer pays.

Funded in days, not 60
Approved on your customers’ credit, not yours
No new debt on the books

See the product Premium finance Commercial insurance, paid monthly

A down payment, then monthly installments across the policy term. Same policy, same coverage, same agent. Only the schedule changes.

Every policy handled the same way, however complex
Coverage and agent stay exactly as they are
Frees up the cash the operation runs on

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For your team, four products

Pay they can reach, and care they can afford.

No cost to the business

Pay access Three products on one payroll connection, in one app. Your team turns on whichever they need, and most start with one.

Earned wage access Pay already earned, before payday

A share of the wages they have already worked for, moved to their card when something comes up, and netted from the next check.

No interest, ever
Standard transfer is free
Comes off the next check automatically

See the product Workplace loans For when it is more than a few hundred dollars

A fixed rate installment loan repaid straight from payroll, for the repair or the deposit a paycheck cannot absorb.

$1,000 to $5,000 at 19.99% fixed
No credit check to qualify
The business never funds or collects it

See the product Patch Card Where the money lands

A payroll Mastercard that holds their pay, their early transfers and their loan, all in one place.

No monthly fee, minimum or overdraft
Direct deposit up to two days early
Spend anywhere Mastercard is accepted

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Solves Money emergencies stop turning into missed shifts and resignations, and nobody has to go to a payday lender on a Tuesday night.

Health access One product, and nothing for the business to connect, set up or pay for.

Virtual Healthcare One membership for the whole household

A doctor in minutes at no cost per visit, at any hour. They sign up themselves and add everyone who lives with them.

$0 per doctor visit, however often they need it
One membership covers the whole household
Nothing for the business to connect or pay

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What the membership includes

Doctor visits, any hour Mental health support Dermatology Prescription savings Healthcare concierge Lab testing Wellness coaching Bill negotiation Best price imaging

Three membership levels. Every level covers the whole household.

Solves Small health problems get handled in an evening instead of becoming a week of missed shifts.

Not sure which

Start with the product that solves your biggest problem.

Most businesses start with one and add the rest later. Find the line below that sounds most like your week.

Cash is tied up in invoices you have already earned, and it is squeezing everything else Invoice factoring One insurance bill lands and the month never quite recovers Premium finance A truck breaks down on a Tuesday and it costs you a shift, then a person you spent two years training Pay access When the crew cannot afford a doctor, it shows up at work and at home, and it rarely gets cheaper by waiting Virtual Healthcare Someone good just left over money, and you did not know until they had gone Pay access You turned down work because the cash to start it was in the last job Invoice factoring

See how it all works

Not sure where to start?

Tell us how the business runs and where the money gets tight. We will tell you which of these fit, and which ones do not.

Talk to us

Nothing to prepare, and nothing to commit to.