Earnings platform EarnIn secures $75m financing from MUFG

September 4, 2025

EarnIn, an earnings management company, has secured a $75m senior secured revolving credit facility from Mitsubishi UFJ Financial Group (MUFG).

The financing was structured solely by MUFG, which is acting as the sole lender. The facility is designed to provide scalable and cost-effective capital to support EarnIn’s growth and expansion of its suite of products, including its flagship offering Live Pay.

EarnIn operates in the FinTech sector, specialising in earnings access and financial wellness solutions for workers. The company provides services such as Early Pay, which enables access to wages up to two days ahead of payday, and Cash Out, which lets workers unlock part of their earned income before payday. Live Pay, one of its newer offerings, allows employees to stream their earnings in real time, with the option to receive up to $1,500 per pay period.

Jacopo Lenzi, chief financial officer at EarnIn said, “This facility gives EarnIn greater flexibility to meet the growing demand for streaming pay.

“We’re grateful for MUFG’s partnership in structuring a solution aligned with our long-term vision, and their expertise will help us expand real-time access to earnings for more people.”

Arthur Ng, managing director in MUFG’s Growth and Middle Market Technology team said, “Our partnership with EarnIn underscores MUFG’s strong commitment to delivering financial innovations that meet rising consumer demand and to companies reshaping the future of financial services. We are excited to support EarnIn’s continued expansion and mission of improving financial wellness for millions of workers.”