Keep your best parents working.
When you guarantee a Cub loan, your employees get childcare financing at half the standard rate. It costs you nothing — and the alternative costs you a hire.
$50,000+
Average cost to replace a mid-level employee
1 in 3
Parents reduce hours or quit due to childcare costs
4.5%
Rate your employees get with your guarantee (vs 8% standard)
How it works
Set it up once. Retain for years.
You activate the benefit
Sign a one-page guarantee agreement. Takes 10 minutes. No cash required.
Employees apply in minutes
Your team gets a link with your employer-backed rate pre-applied. Cub handles underwriting.
You see it all in one place
Your dashboard shows who's enrolled, total financed, and estimated retention impact.
Benefit tiers
Pick the level that fits your team.
All tiers are free to set up. The more you back your employees, the lower their rate.
No benefit
Standard
8% APR
Employee applies on their own — no employer involvement.
- ✓Self-service apply flow
- ✓Standard underwriting
Most popular
Employer Guaranteed
4.5% APR
You co-sign as guarantor. Zero cash outlay, massive rate drop.
- ✓3.5% rate reduction
- ✓Zero cash outlay to employer
- ✓Dashboard to track enrolled employees
- ✓Cub handles all servicing
Lowest rate
Payroll Deducted
3% APR
Add payroll deduction and default risk disappears entirely.
- ✓5% rate reduction
- ✓Repayments via payroll (Gusto, Rippling, ADP)
- ✓Zero default risk
- ✓Optional employer subsidy layer
The math
Cheaper than one bad turnover.
Lose a parent employee
$50,000+
per departure, conservatively
- ✗ Recruiting + headhunter fees
- ✗ Onboarding and ramp time
- ✗ Lost institutional knowledge
- ✗ Team morale and productivity hit
Offer the Cub benefit
$0
out of pocket to get started
- ✓ Parent keeps working full-time
- ✓ Employee saves ~$3,000+ in interest
- ✓ You differentiate your benefits package
- ✓ Guarantee only triggers on default (rare)
Your team can't afford childcare. You can't afford to lose them.
Set up your employer benefit in 10 minutes. No contracts, no cash required to get started.
See the employer portal →