benfinia for small & medium businesses
You will receive competitive financing
& your employees flexible pay!
What you get
- Competitive financing
- Flexible facility
- Pay as an asset for financing
- Operational improvements around salary payments
- Reduced employee turnover
- Reduced absenteeism
- Higher productivity from employee well-being
For your employees
- Flexible pay for free
- Improved budgeting
- More buying power
- Higher motivation
- Reduced financial stress
- Improved mental health

Our products and the benefits & financing cycle
Benefits & finance products for you
| 1 | ![]() | well.score – Capture work time and pay – Transform pay into an asset – Measure employee wellbeing |
| 2 | ![]() | human.cap Competitive business financing underwritten by pay (“pay-backed financing”) |
| 3 | ![]() | flex.pay – Provide flexible pay prior to pay day to employees – True-up to end-of-cycle pay – Make end-of-payroll cycle salary payments |

Hassle free implementation and operation
benfinia integrates into
- your Ergani contract and Ergani time instance
- payroll system: it will provide us automated payroll output at the end of each payroll cycle
We can set this up with your accountant
Your employees
- sign-up to the benfinia services
- provide well-being scores
- receive access to flexible pay during the payroll cycle
- approve payslips at the end of each payroll cycle
- receive net pay at the end of each payroll cycle
You define the level
- financing requirement (what you want to access or settle)
- earned salary the employees can access before payroll
We manage the whole process…
You sit back and stay in control
We are looking forward to discussing with you next steps!
Typical topics to discuss:
- How much financing you could receive from benfinia
- Quantify of additional benefits from employee well-being (reduction of absenteeism, increased productivity)
- Your expectations and reservations
- Involvement of your accountant
- Typical implementation plan





