Company profile: EarnIn
1.1 - Company Overview
Company description
- Provider of a smartphone-based service that gives users access to earned wages before payday via Cash Out (up to $100/day or $750/pay period, no mandatory fees), with optional Lightning Speed instant deposits for a small fee. Offers Credit Monitoring (VantageScore 3.0 by Experian), Balance Shield alerts and automatic transfers to help prevent overdrafts, and Tip Yourself in-app savings toward personal goals.
Products and services
- Balance Shield: Automated, threshold-triggered safeguard that sends alerts and can auto-transfer funds to your bank when balances drop below a set limit to help prevent overdrafts
- Cash Out: On-demand service that delivers access to earned wages via smartphone before payday, up to $100/day or $750/pay period, without mandatory fees
- Lightning Speed: Instant-transfer option that supplies Cash Out funds instantly to your bank account for a small fee, enabling immediate access when timing is critical
Key contacts
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Financial details
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1.2 - Competitors and similar companies to EarnIn
GoodMortgage
HQ: United States
Website
- Description: Provider of internet-based direct lending services, offering residential mortgages for home purchases and refinancing, focused on full customer satisfaction during the loan process.
- Rationale: This competitor operates in a highly similar market segment with overlapping features.
- Company type: Private company
- Employees: ●●●●●
- Total funding raised: $●●●m
- Backers: ●●●●●●●●●●
- Acquisitions: ●●
View full GoodMortgage company profile →
National Credit Care
HQ: United States
Website
- Description: Provider of credit restoration and credit consulting, offering credit report analysis, one-on-one coaching, direct creditor contact, and error correction/removal. Also provides identity theft and fraud cleanup and conducts credit investigations to remove erroneous information, helping optimize clients’ credit profiles and scores.
- Rationale: This competitor operates in a highly similar market segment with overlapping features.
- Company type: Private company
- Employees: ●●●●●
- Total funding raised: $●●●m
- Backers: ●●●●●●●●●●
- Acquisitions: ●●
View full National Credit Care company profile →
Gain Credit
HQ: United States
Website
- Description: Provider of credit solutions for underserved customers via brands including Lending Stream, Drafty and Oye!, offering short-term loans with 6- or 12-month repayments and a flexible line of credit up to £3,000 with no fees and interest only on funds used, backed by advanced underwriting and world-class analytics.
- Rationale: This competitor operates in a highly similar market segment with overlapping features.
- Company type: Private company
- Employees: ●●●●●
- Total funding raised: $●●●m
- Backers: ●●●●●●●●●●
- Acquisitions: ●●
View full Gain Credit company profile →
EarnUp
HQ: United States
Website
- Description: Provider of a consumer-first fintech platform that intelligently automates loan payments across mortgages, auto, student, and personal loans. Offers budget-friendly payment scheduling, loan payoff acceleration, and student loan management tools, plus credit card payoff plans with specialists, and services to negotiate lower bills and cancel unused subscriptions.
- Rationale: This competitor operates in a highly similar market segment with overlapping features.
- Company type: Private company
- Employees: ●●●●●
- Total funding raised: $●●●m
- Backers: ●●●●●●●●●●
- Acquisitions: ●●
View full EarnUp company profile →
Purchasing Power
HQ: United States
Website
- Description: Provider of employee purchase programs enabling access to brand-name products and vacation packages via payroll deduction. Offers financial wellness resources and a mobile app to shop, access discounts, and manage purchases, plus product shipping across the United States. Serves diverse customers including federal employees and retirees.
- Rationale: This competitor operates in a highly similar market segment with overlapping features.
- Company type: Private company
- Employees: ●●●●●
- Total funding raised: $●●●m
- Backers: ●●●●●●●●●●
- Acquisitions: ●●
View full Purchasing Power company profile →
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2.M&A buyers
2.1 Potential strategic acquirers in the sector
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2.2 - Strategic buyer groups for EarnIn
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Buyer group 3: ████████ ████████
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3. Investors and private equity firms
3.1 - Buyout funds investing in similar companies to EarnIn
2.2 - Growth funds investing in similar companies to EarnIn
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4 - Top valuation comps for EarnIn
4.2 - Public trading comparable groups for EarnIn
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