About Earnin
Earnin is a company based in Palo Alto (United States) founded in 2012 by Ram Palaniappan. Earnin has raised $190.1 million across 5 funding rounds from investors including Cross River, Ribbit Capital and DST Global Partners. Earnin offers products and services including Cash Out, Early Pay, Balance Shield, Credit Monitoring, and Tip Yourself. Earnin operates in a competitive market with competitors including Wagestream, Gusto, Payflow, Paylocity and DailyPay, among others.
- Headquarter Palo Alto, United States
- Founders Ram Palaniappan
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Sectors
TechnologyFinancial Services
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Email
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Phone
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Website
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Social
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- Legal Name Earnin Us1 Llc
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Annual Revenue
Not available
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Net Profit
Not available
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EBITDA
Not available
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Total Equity Funding
$190.1 M (USD)
in 5 rounds
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Latest Funding Round
$150 M (USD), Debt – Conventional
Sep 10, 2025
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Investors
Cross River
& 8 more
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Employee Count
Not available
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Products & Services of Earnin
Earnin offers a comprehensive portfolio of products and services, including Cash Out, Early Pay, Balance Shield, Credit Monitoring, and Tip Yourself.
Allows users to access earned wages early via app.
Enables direct deposit up to two days early.
Protects against overdrafts with automatic transfers.
Tracks credit scores for free in the app.
Facilitates automatic savings with each paycheck.
People of Earnin
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Software Development Team
74 people
Product Management Team
31 people
Leadership Team
12 people
Senior Team
11 people
Legal and Compliance
10 people
Data Analysis and Operations Team
9 people
Sales and Marketing
9 people
Human Resources and Administration
8 people
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Funding Insights of Earnin
Earnin has successfully raised a total of $190.1M across 5 strategic funding rounds. The most recent funding activity was a Debt – Conventional round of $150 million completed in September 2025. This substantial capital infusion reflects strong investor confidence in the company's business model, growth potential, and market opportunities. The funding enables strategic expansion, product development, market penetration, and operational scaling to drive long-term value creation and competitive advantage.
Investors in Earnin
Earnin has secured backing from 9 investors, including venture fund and institutional investors. Prominent investors backing the company include Cross River, Ribbit Capital and DST Global Partners.
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Venture capital investments in technology sectors are handled by Andreessen Horowitz.
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Early-stage companies in fintech and multiple sectors are invested in.
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Investor details for Earnin
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Investments & Acquisitions by Earnin
Investment portfolio details for Earnin
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Financial Statements - Earnin
Detailed financials for Earnin
Historical revenue, profit, statement rows, ratios, and trend charts require an active premium plan.
- Historical revenue
- Profit trends
- Statement rows
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Earnin Comparisons
Peer comparison for Earnin
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Competitors of Earnin
Earnin operates in a dynamic and competitive business environment, facing competition from various established players and emerging companies in the market. The competitive landscape includes prominent companies such as Wagestream, Gusto, Payflow, Paylocity and DailyPay, among others.
| Company Name | Domain | Founded year | HQ Location | Description |
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Financial benefits platform for on-demand pay is provided to employees.
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Cloud-based HR and payroll solutions are offered for small businesses.
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Payflow is recognized as a financial wellness application for employees.
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Cloud-based payroll and HR solutions are provided for businesses.
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Developer of an online platform for employee financial benefits
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Benefits administration and payroll management are provided for businesses.
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Detailed competitors of Earnin
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Latest news on Earnin
Complete news archive for Earnin
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Frequently Asked Questions about Earnin
Earnin was founded in 2012 and raised its 1st funding round 2 years after it was founded.
Earnin is headquartered in Palo Alto, United States. It is registered at Palo Alto, California, United States.
Ram Palaniappan is the current CEO of Earnin. They have also founded this company.
Earnin is a funded company, having raised a total of $190.1M across 5 funding rounds to date.
Earnin was established in 2012 in Palo Alto, United States, within the financial technology sector. A platform is operated to facilitate early access to portions of earned paychecks without interest or fees. Employment verification and bank account linkage are required from users. The disbursed funds are automatically debited from the incoming paycheck via direct deposit. Availability is offered through mobile applications on iOS and Android.
Earnin's top competitors include Wagestream, Payflow and Gusto.
Earnin offers Cash Out, Early Pay, Balance Shield, Credit Monitoring, and Tip Yourself.
Earnin has 9 investors. Key investors include Cross River, Ribbit Capital, DST Global Partners, Andreessen Horowitz, and March Capital.