Kashable
Kashable is a U.S. fintech that provides employer-sponsored installment loans ($250–$30,000) and financial wellness benefits to employees of 600+ large and mid-market employers, underwriting borrowers using live payroll data and collecting repayment via automated payroll deductions.
- Company typePrivate
- Founded2013
- HeadquartersNew York, United States
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What Kashable does
Kashable is a B2B2C fintech founded in 2013 in New York City by Einat Steklov and Rishi Kumar that provides employer-sponsored lending and financial wellness benefits to U.S. workers. Its core product is an installment loan program offering $250 to $30,000 at APRs of 6% to 35.99% over 6-to-36-month terms, with repayments collected automatically via deductions from employee payroll. Kashable underwrites borrowers using a proprietary automated model built on live payroll and HRIS data, rather than relying solely on traditional credit bureau scores, which allows it to serve creditworthy workers who are underserved by mainstream lenders. Sub-brands target federal employees and federal retirees with wage-allotment repayment. The platform is free to employers with 500+ benefit-eligible employees and is sold on a small subscription fee to 300–500-employee employers seeking expanded eligibility, with additional revenue from origination fees and interest on originated loans (loans are issued in partnership with Medallion Bank, Member FDIC).
Kashable monetizes through interest, origination fees, and a Premium employer subscription tier, and the company has been profitable for several years. It distributes primarily through deep integrations with major HR, benefits administration, and payroll platforms — Alight, Mercer, Corestream, WTW, AON, Benefitfocus, Plansource, Paylogix, UKG, and others — supplemented by direct enterprise sales and benefits-broker channels. As of 2026, the company serves more than 600 employers and over 4 million employees across retail, healthcare, government, insurance, telecom, food service, and infrastructure, with cumulative loan originations approaching $2 billion and 2026 loan volume expected to exceed $500 million. Kashable has raised over $450 million in equity and debt capital, holds consumer lending licenses in 44+ jurisdictions, is SOC 2 Type II and PCI-DSS v4.0 certified, and operates a patented underwriting and benefits-integration technology stack.
Kashable firmographics
Firmographics- Name
- Kashable
- Legal name
- Kashable LLC
- Website
- https://kashable.com
- Company type
- Private
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Kashable is a U.S. fintech that provides employer-sponsored installment loans ($250–$30,000) and financial wellness benefits to employees of 600+ large and mid-market employers, underwriting borrowers using live payroll data and collecting repayment via automated payroll deductions.
- Ownership category
- akta.pro rank
Kashable industry classification
Industry- Product category
- Consumer Lending / Employer-Sponsored Financial Wellness
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231)
- SIC
- Personal Credit Institutions (6141), Loan Brokers (6163)
- akta.pro primary industry
- Employer-Sponsored / Payroll-Linked Personal Loans (Unsecured Installment) (FSAKAAAM)
- akta.pro secondary industry
- Emergency & Short-Term Installment Personal Loans (Unsecured) (FSAKAAAH)
Keywords
Where Kashable is headquartered
LocationHeadquarters
- HQ city
- New York
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Kashable business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Loan Interest and Origination Fees: Kashable generates revenue through interest charged on loans (APR ranging from 6% to 35.99%) and origination fees. Loans range from $250 to $30,000 with terms of 6 to 36 months. The company reports over 40% year-over-year growth and expects to exceed $500 million in loan volume in 2026.
- Premium Employer Tier: Premium tier subscription model for smaller employers with 300-500 benefit eligible employees, or employers wishing to expand eligibility and approval limits. The standard program is free for employers with 500+ employees.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Annual | Basic Plan - Free for large employers (500+ employees) |
| Subscription | Annual | Premium Plan - Small fee for smaller employers (300-500 employees) |
| Transaction based/ take rate | Pay-as-you-go | Employee Loans - $250 to $30,000 at 6% to 35.99% APR |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels6 records
Kashable product offering
Product offeringCore offering
Kashable provides low-cost installment loans ($250 to $30,000, 6 to 36 month terms) as an employer-sponsored voluntary benefit to American workers. The company uses live payroll data for credit underwriting and integrates directly with employer HRIS and payroll systems to administer automatic loan repayments through payroll deductions, offering a lower-cost alternative to payday loans, credit card debt, and 401(k) loans.
Product overview
Kashable is a fintech platform offering a unified financial wellness solution for employees as an employer-sponsored voluntary benefit. The core product is the Kashable Employee Loan Program — low-cost installment loans ($250-$30,000) with free credit monitoring — supplemented by specialized sub-brands for Federal Employees and Federal Retirees. For employers, Kashable provides the Employer Program (free for 500+ employees, fee-based for smaller employers) with optional add-ons including Live Financial Coaching and Financial Wellness Webinars. The company also offers a mobile app and referral program. Loans are underwritten using innovative technology with payroll data integration, and repayments are administered through payroll deductions via integrations with HR platforms, benefits administration systems, and payroll providers.
Differentiator
Problem solved
Functional benefit
Products and services
- Kashable Employee Loan Program Low-cost installment loans ($250 to $30,000) with 6 to 36 month terms, offered as an employer-sponsored voluntary benefit with automatic repayment through employer payroll deductions. Available to employees of partner employers with APRs from 6% to 35.99%, next-business-day funding, no prepayment penalties, and free credit monitoring.
- Federal Employee Loan Program Low-cost loans specifically tailored for federal government employees, ranging from $500 to $30,000, with easy application, quick approval, no hidden fees, and automatic repayments through federal wage allotment.
- Federal Retiree Loan Program Low-cost loans for federal government retirees featuring automatic repayment through retirement pay, easy application, and quick approval for just-in-time credit needs.
- Kashable Employer Program Employer-sponsored financial wellness benefit program offering employees access to socially responsible low-cost loans. Free for employers with 500+ benefit-eligible employees; a small annual fee for the Premium plan for employers with 300-500 employees or those seeking expanded loan eligibility and approval limits.
Quantifiable outcome
- Over 40% year-over-year growth in 2026
- +3 more outcomes
Companies that use Kashable
Customer profileNamed customers7 records
Segments5 records
Ideal customer profiles5 records
Kashable technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration18 records
Feature3 records
Kashable partnerships and signals
Strategic signalPartnerships
Twelve partnerships are on record, tiered core and minor.
- Creative Benefits for Educators (CBE)corePartnership to expand financial wellness programs for public-school educators in Florida. Collaboration aims to improve access to responsible credit and financial wellness tools for educators and public-sector employees.
- Aptia GroupcoreAptia Group launched Aptia Amplify Partners program with Kashable as inaugural partner. Enables streamlined integration of third-party solutions to enhance employee benefits.
- Brooklyn Football ClubminorKashable partnered with Brooklyn FC to support its women's professional soccer team. Partnership aims to promote social good, inclusiveness, and community impact aligned with Kashable's mission to improve financial wellness.
- AlightcoreHR platform integration partner. Kashable has partnered with Alight so employers can easily add the offering to their benefits portfolio.
- MercercoreHR consulting and benefits administration platform integration partner.
- WTW (Willis Towers Watson)coreBenefits consulting and HR platform integration partner.
- AONcoreProfessional services firm and benefits administration platform integration partner.
- UKGcoreHR and payroll platform integration partner. Kashable integrates with UKG payroll systems to administer deductions.
- PlansourcecoreCloud-based benefits administration technology partner where Kashable joined Plansource's Partner Marketplace.
- BenefitfocuscoreBenefits administration platform integration partner.
- PaylogixminorPayroll and benefits billing solutions partner. Kashable joined Paylogix Co-Op Funding Program providing brokers access to enrollment and billing solutions.
- Medallion BankcoreLending partner that issues loans through the Kashable branded Loan Program. Loans are made by Medallion Bank, Member FDIC or Kashable LLC.
Scale indicators11 records
Recent moves6 records
Expansion highlights6 records
Kashable competitors and assessment
Company assessmentDirect peers
- Payactiv: Payactiv is an earned wage access and employer-sponsored financial wellness platform serving similar enterprise employers and employee segments as Kashable, with comparable payroll-integrated distribution and B2B2C GTM motion.
- DailyPay: DailyPay is a leading earned wage access provider that integrates with employer payroll systems to offer early wage access, directly competing with Kashable's employer-sponsored liquidity offering to enterprise HR teams.
- Earnin: Earnin provides early wage access and cash advances to working consumers via a consumer-direct app model, addressing the same employee financial wellness need that Kashable serves via employer partnerships.
- TrueConnect: TrueConnect offers employer-sponsored small-dollar installment loans as an employee benefit, with a similar B2B2C model and underwriting approach as Kashable, including automatic payroll repayment.
- Even: Even is an on-demand pay platform integrated with employer payroll systems that provides financial wellness tools to employees, overlapping with Kashable's employer-sponsored liquidity and financial wellness proposition.
Emerging players
- Possible Finance: Possible Finance offers small-dollar installment loans to underserved consumers through both direct and employer-channel distribution, addressing a similar underbanked worker segment with comparable APR ranges.
- Dave: Dave is a consumer banking app offering cash advances and budgeting tools to working Americans, competing for the same financially-stressed employee demographic as Kashable through a consumer-direct rather than employer-channel approach.
Broad incumbents
- SoFi: SoFi is a broad consumer finance platform offering personal loans, employer-sponsored financial wellness, and benefits products; overlaps with Kashable in employer-channel personal lending and broader financial wellness.
- OneMain Financial: OneMain Financial is a large established provider of personal installment loans to non-prime consumers, representing the incumbent consumer lending model against which Kashable's employer-channel approach competes.
- LendingClub: LendingClub is a major online personal loan marketplace serving consumer and small business borrowers; overlaps with Kashable's personal loan product and competes for similar credit profiles via different distribution channels.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Kashable social profiles
Digital presenceKashable compliance and trust
Trust signalCompliance2 records
Kashable financial estimates
Financial estimateRevenue estimate
Valuation estimate
Kashable leadership team
Management profileNumber of profiles
Profiles6 records
Kashable subsidiaries and ownership
Company hierarchySubsidiaries1 record
Kashable funding detail
Funding detailFunding overview
Funding rounds7 records
Investors11 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Kashable M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Kashable
What does Kashable do?
Kashable provides low-cost installment loans ($250 to $30,000, 6 to 36 month terms) as an employer-sponsored voluntary benefit to American workers. The company uses live payroll data for credit underwriting and integrates directly with employer HRIS and payroll systems to administer automatic loan repayments through payroll deductions, offering a lower-cost alternative to payday loans, credit card debt, and 401(k) loans.
Is Kashable a public or private company?
Kashable is a private company. It is classified as venture growth investor backed and is currently operating.
When was Kashable founded?
Kashable was founded in 2013. It employs 101 to 250 people.
Where is Kashable based?
Kashable is headquartered in New York, United States, in the North America region.
How does Kashable make money?
Two revenue lines are on record. Loan Interest and Origination Fees are the primary driver. The others are premium Employer Tier.
Who are Kashable's main competitors?
Direct peers on record are Payactiv, DailyPay, Earnin, TrueConnect and Even. Emerging players are Possible Finance and Dave. Broad incumbents are SoFi, OneMain Financial and LendingClub.
Does Kashable have an API?
No public API is recorded for Kashable.
What industry is Kashable in?
Kashable's product category is Consumer Lending / Employer-Sponsored Financial Wellness. Its primary akta.pro industry code is FSAKAAAM, Employer-Sponsored / Payroll-Linked Personal Loans (Unsecured Installment), with a secondary code of FSAKAAAH, Emergency & Short-Term Installment Personal Loans (Unsecured). Its NAICS code is 52231 and its SIC code is 6141.