50%
Lower employee turnover
Financial wellness benefits like instant wage access combined with credit building help employees stay longer and reduce costly turnover.
3x
More job applicants
Job postings that include on-demand pay attract significantly more applicants, helping you hire faster.
89%
Of employees say early wage improved financial stability
With Credvan, every paycheck cycle also helps build credit history through responsible repayment behavior.
+50
Average credit score lift
When earned wage repayments are consistently reported to major credit bureaus, users can see meaningful improvements in their credit profile over time.
Built for everyone
One platform. Two powerful experiences.
Get paid for the work you've already done
Tap up to 60% of wages you've already earned this pay period instantly to your bank while building your credit over time with every repayment.
- ✓Instant or standard transfers
- ✓No credit checks to qualify
- ✓Credit-building, built in
- ✓No interest or hidden fees
A financial wellness benefit that pays you back
Offer EWA + credit-building to reduce turnover, boost retention, and stand out as an employer that invests in workers' financial future.
- ✓Onboard in minutes
- ✓Zero payroll disruption
- ✓Employer dashboard included
The problem
A broken pay cycle and credit system.
Today's workers face financial instability from delays between earning and getting paid, and limited ways to build credit beyond debt. This financial stress often impacts their productivity at work.
78% live paycheck to paycheck
Financial stress drives missed shifts, lower productivity, and higher turnover costs for employers.
Emergencies force harmful choices
Workers turn to overdrafts, payday loans, and high-cost credit when unexpected expenses hit.
45M Americans are credit invisible
Millions of employed workers lack access to affordable financial products despite earning a steady income due to thin or no credit history.
The solution
Earned Wage Access with a credit rail on top
Credvan turns income into credit-building activity by reporting repayment behavior through major credit bureaus.
Earned wages, on demand
Employees access up to 60% of wages they've already earned — instantly or via standard ACH.
Credit-building, built in
On-time repayment activity is reported to Experian, Equifax, and TransUnion through our furnishing partner.
Zero payroll disruption
Plug into Gusto, Square, ADP, or use our AI-powered model that works with no payroll system at all.
Built as infrastructure
An API-first B2B2C platform for employers, PEOs, and payroll partners to embed in days.
How it works
Four steps. Two outcomes: liquidity and credit.
Employer onboards
Connect via payroll systems such as Gusto, Square, or ADP for seamless integration.
Wages are verified
Earned wages are calculated in real time through payroll data.
Employee accesses wages
Up to 60% of earned wages, delivered instantly or via standard ACH to their bank account.
Repayment builds credit
Repayments are automatically processed through payroll, and on-time activity is reported to major credit bureaus.
Why Credvan
Payroll-integrated financial infrastructure
Credvan helps employers retain workers while giving employees access to earned wages and the ability to build credit over time.
Built for payroll systems
Credvan integrates directly with existing payroll providers like Gusto, Square, and ADP so employers can offer benefits without changing how they run payroll.
Goes beyond wage access
Most earned wage access tools stop at early pay. Credvan adds credit-building by reporting income-backed repayment activity through trusted credit bureaus.
Easy to embed
An API-first platform designed for employers and payroll providers to launch wage access and credit-building benefits in days, not months.
One platform, two outcomes
Employees get financial flexibility today. Employers get stronger retention and hiring outcomes over time.
Credvan is the only Earned Wage Access platform that turns wage access activity into credit-building data through verified repayment reporting.
Designed to integrate with the tools you already use
Results
Recognized as a category leader
The only EWA platform with built-in credit bureau reporting.
“I work full-time and still can't get approved for a credit card. Building credit just by paying back my own wages? Sign me up.”
Georgia Restaurant Employee
Prospective Credvan user
“We've looked at earned wage access before, but the credit-building piece is what makes Credvan worth bringing to our team.”
Ohio HR Director
Prospective Credvan user
“If I could get to my pay a few days early without a payday loan eating into it, that would change everything for me.”
Texas Hourly Worker
Prospective Credvan user
Be first to launch EWA + credit-building with Credvan
We're onboarding a small group of forward-thinking employers, payroll partners, and investors. Reserve your spot and help shape the future of work-backed credit.
- ✓Priority onboarding for your company
- ✓Founding-customer pricing locked in
- ✓Direct line to the Credvan team