Exhale

📈 Rising healthcare costs = financial strain for both employees and employers. With health insurance premiums increasing for both parties, how can employers help offset the burden for employees while staying on budget? Financial wellness benefits 🙋 can complement traditional benefits without breaking the bank. Exhale’s Perks, including early access to earned wages and interest-free emergency advances, give employees an extra safety net for medical bills and debt. And flexible pricing plans ensure employers only pay for employees who are using the platform. The benefits landscape is changing. Now more than ever, there are affordable, scalable options for employers who want to offer meaningful and competitive benefits to their workforce. #healthcarecosts #workplacebenefits #flexiblepricing #financialwellness

We’ve hit an exciting milestone at Exhale—since 2022, we’ve proudly processed over $25 million in transactions. That includes My Pay issued, advances loaned and repaid, and emergency savings built. But it’s not just about numbers. Here’s what we’re most proud of: 🤝 Your trust. We owe this growth in activity to the individuals and organizations that have chosen Exhale as their partner in financial wellness. We’re honored to be the trusted partner for each and every Exhale user. 🔒 Security first. We’re committed to keeping our customers’ money and data safe with bank-grade security. Our partnerships with regulated financial institutions ensure every transaction is handled with care. 🚀 Continued movement, thanks to you. We more than doubled our transactional activity from 2023 to 2024, and are on track to continue the trend in 2025 and beyond. Onward and upward! #financialwellness #fintech #milestone

Things we love to see: Our friends at Great Clips are helping students and parents everywhere get back to school in style. ✂️📚 As the school year ramps up, make sure your staff is ready for the season, too. Whether it’s school supplies for the kids, paying back student loans, or taking courses for continued education, Exhale’s financial benefits can help hardworking employees cover what they need. Great Clips Back to School ➡️ https://lnkd.in/gNhzxJ9x Learn more about Exhale ➡️ exhalefi.com

🚨 Industry news: The Consumer Financial Protection Bureau recently proposed a new rule around paycheck advance products like earned wage access (EWA), with the goal of prioritizing consumer safety and making fees more transparent in this quickly evolving market. My Pay is an EWA product, and we support this proposed rule. We built Exhale because we were frustrated at the hidden fees imposed by traditional lenders and existing EWA providers. Too often, hardworking employees accept the terms of these short term loans, without realizing that they’re paying back more than they took out. We believe that financial wellness should be accessible to as many people as possible, with no hidden fees. When sponsored by employers, Exhale’s Perks (including My Pay) are completely fee-free to employees. As the industry changes (and as our own products evolve), we’re committed to putting transparency and consumer safety first. #earnedwageaccess #ewa #financialwellness

Employer-sponsored benefits are undergoing a revolution. Over the past five years, the rising costs of administering traditional benefits and increasing financial stress among employees have created a pressing need for change. Fortunately, new state and federal legislation has paved the way for innovative benefits providers to step in. 🚀 The result: employee benefits that are more affordable, accessible, and scalable than ever before. This opens the door wide open for employers of all sizes, especially SMBs, to offer benefits that were once beyond reach. We’re thrilled to be at the forefront of this movement, using technology to bring financial wellness benefits to more employees than ever. Discover more insights in this white paper published by our payroll integrations partner, Finch: https://lnkd.in/gkZ6Jg6z

What is Exhale Refresh Week? Think of it as a spin on open enrollment: a semi-annual event focused on benefits education and adoption, hosted by your friends at Exhale. We'll handle all the logistics and communications, while sharing insider tips to help you get the most out of your team's financial benefits. Want to schedule a personalized Q&A session for your employees? We can do that too. 😉 Learn more about Refresh Week: https://lnkd.in/eh_JEFPv #financialbenefits #openenrollment

We're proud to partner with Finch to provide financial wellness tools to employees at every step of their financial journey. With Finch's unified API, Exhale can quickly and securely integrate with payroll, allowing employers to start offering personalized financial benefits to their teams right away. 👇 Check out the case study to see how we've been working together and what's to come!

As Buy Now Pay Later (BNPL) rises in popularity, the list of pros and cons continues to grow. So how can your employees use it safely? 💸 Be budget-aware. Knowing one's financial limits ensures you can manage repayments comfortably. 🗓️ Make payments on time. Use auto-pay to reduce the likelihood of additional fees. 🤔 Consider when BNPL makes the most sense. Some companies have started using buy now pay later options for tenant services and healthcare, allowing financially vulnerable people to afford vital services and pay them back over time. In times of financial stress, this flexible payment option can be extremely beneficial. But not all BNPL solutions are created equal. Always read the fine print to avoid the same pitfalls that can come with credit card debt and payday loans. What’s your take on Buy Now Pay Later (BNPL)? https://lnkd.in/g97uTqV7

New on the Exhale blog: Take control of your finances with a mid-year wellness check! Our checklist provides proactive steps to review your budget, organize debt, save for the future, and adjust goals. Now's the perfect time to check in on your progress and plan ahead for the rest of the year. Read here 👉 https://lnkd.in/gQ9VZpka #financialwellness #moneymanagement #smartbudgeting

📊 Exhale data from June 2023-June 2024 shows that 32% of employees who have fully paid back an advance from Exhale have also set up an automatic saving contribution from their paycheck. When employees finish repaying their advance with Exhale, they can seamlessly transition their monthly repayments into their saving fund. It's a small step that makes a significant impact. With flexible financial benefits like earned wage access and interest-free advances, Exhale empowers employees to leave debt behind and start building their safety net. We’d love to partner with you to do the same: exhalefi.com/demo