HoneyBee
- Company typePrivate
- Founded2017
- HeadquartersLos Angeles, United States
- Headcount1–10
- GTM typeB2B
- OfferingServices
HoneyBee firmographics
Firmographics- Name
- HoneyBee
- Legal name
- Ziero Financial Inc.
- Website
- https://meethoneybee.com
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Ownership category
- akta.pro rank
Where HoneyBee is headquartered
LocationHeadquarters
- HQ city
- Los Angeles
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
HoneyBee business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Others
Revenue model
- Employer-Sponsored Benefit Subscription: HoneyBee is a company-paid financial benefit program. Employers pay HoneyBee to provide the financial wellness program to their employees at no cost to employees. The company describes itself as 'a company paid financial benefit program.' This is the primary revenue stream.
- Debt Facility Lending (CIM $100M Facility): HoneyBee secured a $100 million debt facility from CIM to support underserved communities and fund Honey Funds (0% interest loans) provided to employees. The debt facility enables the company to extend credit to employees, with repayment through payroll deductions.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Multi-year contract | Employer-paid benefit — zero cost to employees |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels5 records
HoneyBee product offering
Product offeringCore offering
HoneyBee (operated by Ziero Financial Inc.) is an employer-sponsored financial wellness benefit platform that delivers 0% interest on-demand funds (Honey Funds and Honey Cash), live and recorded financial education webinars (Honey Academy), and confidential 1-on-1 financial therapy sessions (Honey Therapy) to employees at no cost. The platform is sold to employer organizations as a company-paid benefit, with employees accessing services regardless of their credit score through a mobile or web app.
Product overview
HoneyBee is a financial wellness platform offering employer-sponsored benefit programs to help employees improve their financial health. The product portfolio consists of Honey Funds (no-cost, 0% interest on-demand loans to pay off debt and manage expenses), Honey Cash (similar no-fee cash advance service), Honey Academy (financial education via webinars for employees and families), Honey Therapy (one-on-one money therapy sessions with customized financial plans), and Bee Financial Coach (financial coaching services). These products work together as an integrated financial wellness benefit program that employers can offer to their workforce to attract talent and improve retention.
Differentiator
Problem solved
Functional benefit
Brands
- Honey Funds: No-cost, 0% funds on-demand to help employees pay off debt and manage expenses, regardless of credit score.
- Honey Academy
- Honey Therapy
- Honey Cash
- Bee Financial Coach
Products and services
- Honey Funds
Quantifiable outcome
- Users feel less stress about money after using HoneyBee
- +5 more outcomes
Companies that use HoneyBee
Customer profileNamed customers10 records
Segments3 records
Ideal customer profiles2 records
HoneyBee technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
Feature6 records
HoneyBee partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- PlaidcorePlaid provides financial software integration for HoneyBee's platform, enabling secure bank account connectivity for employees to receive fund deposits and authorize repayment withdrawals. All data transmitted between Plaid and HoneyBee is encrypted over a 256-bit SSL connection. HoneyBee does not store bank usernames or passwords. Plaid provides an access token that exclusively allows HoneyBee to retrieve account information.
- Neighborhood TrustcoreNeighborhood Trust provides financial coaching services to HoneyBee employees through the Bee Financial Coach (BFC) program. Employees who access financial coaching agree to Neighborhood Trust's terms of service and privacy policy. The coaching is for financial literacy education purposes only and does not constitute investment, legal, business, or tax advice.
Scale indicators5 records
Recent moves6 records
Expansion highlights6 records
HoneyBee competitors and assessment
Company assessmentDirect peers
- Even: Even is an employer-sponsored financial wellness app offering on-demand pay, budgeting, and savings tools to employees. It is a direct competitor in the same B2B2E employer benefit category as HoneyBee.
- TrueConnect: TrueConnect offers employer-based small-dollar loans and financial wellness tools to employees regardless of credit score, with repayment through payroll deduction. It is a near-direct competitor to HoneyBee's Honey Funds product.
- LearnLux: LearnLux is a financial wellness platform for employers offering education, planning, and coaching. It competes with HoneyBee for HR benefits budget, particularly on the Honey Academy and Honey Therapy component.
- Kashable: Kashable provides employer-sponsored small-dollar loans to employees with repayment via payroll deduction, targeting credit-constrained workers. It is a direct competitor in employer-paid employee lending.
- Payactiv: Payactiv is an earned-wage-access and financial wellness platform sold as an employer-sponsored benefit, allowing employees to access earned wages before payday. It competes head-to-head with HoneyBee in the B2B2E employer benefits channel.
- Earnin: Earnin is a consumer pay-advance app that also offers EarnIn's Cash Out and financial tools; while primarily B2C, it increasingly competes with HoneyBee for the same low-income employee users seeking interest-free cash access.
- SmartPath: SmartPath delivers financial wellness education, coaching, and planning as an employer benefit. While HoneyBee goes deeper on lending, SmartPath competes for the same employer wallet on the education and coaching layer.
- DailyPay: DailyPay is a leading on-demand pay provider integrated as an employer benefit, giving employees early access to earned wages. It directly competes with HoneyBee for HR budget allocation on financial wellness benefits.
- Dave: Dave is a banking and cash-advance app targeting paycheck-to-paycheck consumers with small-dollar advances and budgeting tools. It overlaps with HoneyBee on the end-user financial wellness use case even though its distribution is largely B2C rather than B2B2E.
Emerging players
- Origin Financial: Origin Financial offers employer-sponsored student loan repayment and financial wellness benefits. It overlaps with HoneyBee in the employer-paid financial wellness category, particularly on debt-related use cases.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights6 records
Customer concentration
HoneyBee social profiles
Digital presenceHoneyBee compliance and trust
Trust signalCompliance6 records
HoneyBee financial estimates
Financial estimateRevenue estimate
Valuation estimate
HoneyBee leadership team
Management profileNumber of profiles
Profiles3 records
HoneyBee funding detail
Funding detailFunding overview
Funding rounds6 records
Investors13 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
HoneyBee 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 HoneyBee
What does HoneyBee do?
HoneyBee (operated by Ziero Financial Inc.) is an employer-sponsored financial wellness benefit platform that delivers 0% interest on-demand funds (Honey Funds and Honey Cash), live and recorded financial education webinars (Honey Academy), and confidential 1-on-1 financial therapy sessions (Honey Therapy) to employees at no cost. The platform is sold to employer organizations as a company-paid benefit, with employees accessing services regardless of their credit score through a mobile or web app.
Is HoneyBee a public or private company?
HoneyBee is a private company. It is classified as venture growth investor backed and is currently operating.
When was HoneyBee founded?
HoneyBee was founded in 2017. It employs 1 to 10 people.
Where is HoneyBee based?
HoneyBee is headquartered in Los Angeles, United States, in the North America region.
How does HoneyBee make money?
Two revenue lines are on record. Employer-Sponsored Benefit Subscription is the primary driver. The others are debt Facility Lending (CIM $100M Facility).
Who are HoneyBee's main competitors?
Direct peers on record are Even, TrueConnect, LearnLux, Kashable, Payactiv, Earnin, SmartPath, DailyPay and Dave. Origin Financial is listed as an emerging player.
Does HoneyBee have an API?
No public API is recorded for HoneyBee.