Pay them before payday.
Without fronting the money.
Your platform already knows the shifts worked and the payroll due. Slate turns that into earned wage access and payroll funding, carrying the float, the compliance and the collections.
One platform.
Fully operated.
Most embedded finance platforms hand you APIs and leave the hard parts with you. Slate runs the whole lifecycle on your behalf.
No underwriting models
to build
No consumer compliance
to manage
No repayment or servicing
workflows
No worker support
burden on your team
Done for you, not handed to you
Underwriting for variable income
Slate reads earning patterns rather than credit files, so eligibility moves with the work.
Dynamic limits
Responsible decisioning
No manual review
Delivery and repayment
Workers reach funds inside your product, and repayment lines up with how they earn.
Clear terms
Collection aligned to earnings
Transparent to the worker
Compliance and protection
Lending to individuals carries regulatory and reputational risk. We carry it.
Identity verification
Consumer compliance
Fraud controls
The shift is the signal
A completed shift is proof of earnings, and it is already in your system. Slate reads it, sizes what a worker can safely take, and settles on payday.
Wages they already earned
No credit check
One repayment, on payday
Available now
$248
Already earned · no credit check
Settled on payday, out of the run you were making anyway.
Visibility without responsibility
You see the whole book. Adoption, utilisation, what it is earning. None of the operational weight that usually comes with it.
Portfolio performance
Adoption and utilisation
Revenue and yield reporting
Customers funded
312
Outstanding
$4.1M
Adoption
18%
Revenue, MTD
$96k
Your reporting. Our operations.
Built to launch fast, and safely
Because Slate owns the money, the compliance and the servicing, your team ships a surface, not a lending stack. What normally takes quarters takes weeks.
No underwriting build
No compliance setup
No servicing infrastructure
What a lending stack costs you
Four teams you do not have to hire.
Access to pay becomes why they keep picking up shifts.
Higher worker retention
More shifts filled
A new revenue line
No float on your balance sheet