What if workforce care could unlock financial power?
What if the way you pay your workforce could be transformed into your most reliable and ethical source of working capital financing?
The workplace is changing
Flexibility, well-being, purpose, fairness: these are no longer nice-to have perks. They are the new standard. Today’s employees expect meaningful engagement, financial stability and a sense of belonging.
Yet traditional finance continues to see workforce costs as liabilities, not levers for growth. This creates a disconnect between HR-led transformation and financial strategy.
benfinia bridges that gap. Because treating people well isn’t just the right thing to do – it’s a competitive advantage.
Changes required
Regulators, employees and funders expect a changing employer-employee relationship
Slow adoption
Traditionally, investment in workforce is seen as liabilities, not a lever for growth
benfinia approach
We are bridging the gap – making the right thing to do also economically beneficial to businesses, employees and funders
We believe employment quality is the next financial asset
Workforce quality is a company’s most underestimated strength.
Investment in flexibility, care and employee well-being often remain invisible on the balance sheet. Yet they build trust, reduce turnover, and sustain performance.
At benfinia, we believe that when employment quality is measured, scored and made available, it becomes a fundable asset – unlocking new, responsible financing opportunities.
A new approach transforming workforce value into working capital financing
We make people-centric companies financially stronger – without new debt, and without compromising on care.
benfinia introduces a structured model that enables liquidity based on salary obligations and ethical employment scoring
Our integrated platform combines three services that convert salary obligations and well-being into capital:
human.cap: turns recurring salary obligations into a superior asset, enabling secure and competitive short term, revolving business financing
flex.pay: benfinia’s flexible payday service, offering earned wage access as an embedded feature, with no added cost or operational complexity
well.score: audits and tracks workforce well-being, using ESG-aligned indicators, enhancing both transparency and financing eligibility
A financing model that benefits every stakeholder by creating a virtuous cycle
Business
Access flexible, competitive liquidity solely based on your workforce expenditure – no need for any of your assets as collateral. Turn HR commitments into financial leverage. Benefits like Flexible Payday are included in the cost of financing.
Employee
Enjoy greater financial peace of mind and transparency. benfinia’s flexible payday service let’s you access part of your earned salary prior to payday – funded by your employer’s ESG performance
Funder
Gain access to one of the most secure and socially aligned asset classes: salary obligations. Transparent, ethical, low risk and typically off-balance sheet for the funder
Designed for real-world impact and financial strength
Pay obligation is a high-grade, low risk asset. Salary-based obligations are recurring, regulated and in Europe sovereign guaranteed
Payroll as collateral, not as cost. Unlocks short-term liquidity for the business without increasing funder’s liabilities. Funding is typically off-balance sheet for funder. And ethically aligned
Flexible payday is embedded by design. Unlike standalone earned wage access apps, flex.pay is an inherent part of the business financing, making it instantly deployable and frictionless for businesses
Deployment roadmap
We start where Human Resources infrastructure, labour data, and sovereign funding converge
Our model is already aligned with national registries and ESG frameworks
Initial roll-out plan:
| GR | Greece | Sandbox market due to favourable competitive and regulatory environment |
| F | France | ESG maturity and public sector readiness |
| E | Spain | Strong innovation culture around HR |
| I | Italy | Active private-public collaboration |
| D | Germany | Well suited for our approach, biggest market |
Re-define how finance values your workforce
benfinia is building a financial platform that transforms employee well-being into access to responsible financing
We are currently onboarding early adopter-businesses and impact-aligned financers.
