Mitsubishi UFJ Financial Group (MUFG), Japan’s largest financial services provider, has announced the completion of a US$75 million senior secured revolving credit facility for Activehours, trading as EarnIn, a US-based earnings management company.

The facility, arranged by MUFG, is designed to provide capital to support EarnIn’s expanding range of products, including Live Pay, which allows workers to access their earnings in real time; Early Pay, which enables employees to receive their pay up to two days early regardless of their bank; and Cash Out, which permits workers to withdraw a portion of their earned wages before payday.

“This facility gives EarnIn greater flexibility to meet the growing demand for streaming pay,”

said Jacopo Lenzi, Chief Financial Officer at EarnIn.

“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.”

“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,”

said Arthur Ng, Managing Director in MUFG’s Growth and Middle Market Technology team.

“We are excited to support EarnIn’s continued expansion and mission of improving financial wellness for millions of workers.”

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