The problem
Steady earners with thin or damaged credit get turned down or charged payday-loan prices by traditional lenders
What they do
Cash advances, credit lines and credit cards underwritten on cash flow, not FICO
Traction 3M+ active US subscribers, 5M+ customers to date, profitable since 2022 (company-reported)
Hiring trend
- Open roles
- 17
- Ops roles
- 1
- Headcount
- ~335
Headcount ~245 (Aug 2025) → ~336 (Oct 2026), about +35% YoY, partly from acquisitions; 20 open roles
Hiring in
- Campinas
- São Paulo
- Bengaluru
- Remote (US)
- Remote (India)
Latest news
Jul 2026
Acquired Brazil's Blipay (6M+ registered users), its fourth market outside the US ↗Glassdoor
3.9 ★ 82 reviews ↗Funding
- Last round
- ~$95M (Series C, per Forge; never announced)
- Stage
- Series C
- Date
- May 2024
Led by Not disclosed (backers: Sequoia, Icon Ventures, Initialized, Blisce, Launchpad)
- Hiring+1.517 open roles on the live job board (10–29 roles = +1.5)
- Funding recency0Series C · ~$95M (Series C, per Forge; never announced), May 2024 (29 months ago): over 24 months = 0
- Traction+1.5Strong growth: 3M+ active US subscribers, 5M+ customers to date, profitable since 2022 (company-reported)
- Red flags−11 significant flag in the last 24 months, −1 eachVickery v. Empower: putative class action (Military Lending Act/TILA) says its cash advances are high-cost loans; judge agreed advances are credit (Oct 2025), case on appeal at 9th Circuit; separate mass-arbitration claimsLegalClarity, Jun 2026: Vickery v. Empower ruling and appeal status ↗ · Consumer Financial Services Law Monitor, Oct 2025: EWA product deemed credit, arbitration denied ↗ · Center for Responsible Lending: payday loan app litigation tracker ↗
- Total2.01.5 + 0 + 1.5 − 1 = 2.0 → Steady (1.5–3.49)
Distance (Half) is a separate read on how long the lead can last. It doesn't change the score.
Distance
Half · edge: learns from use
A top cash-advance app with millions of subscribers, profitable, and now selling cards and credit lines in five countries; but EarnIn and Dave crowd the space, it relies on partner banks, and courts keep calling these advances loans.
Sources: PR Newswire, Aug 2025: rebrand, credit cards, 3M+ subscribers, profitable since 2022 ↗ · PR Newswire, Jul 2026: Blipay acquisition, fourth market outside the US ↗ · LegalClarity, Jun 2026: 14 of 14 courts have called app cash advances loans ↗
Watch-outs
Vickery v. Empower: putative class action (Military Lending Act/TILA) says its cash advances are high-cost loans; judge agreed advances are credit (Oct 2025), case on appeal at 9th Circuit; separate mass-arbitration claims
Sources: LegalClarity, Jun 2026: Vickery v. Empower ruling and appeal status ↗ · Consumer Financial Services Law Monitor, Oct 2025: EWA product deemed credit, arbitration denied ↗ · Center for Responsible Lending: payday loan app litigation tracker ↗
Open ops roles · 1
Last checked Oct 25, 2026