Acme Corp · 4.5% APR employer-backed rate · 5 employees enrolled
Enrolled employees
5
2 pending
Total financed
$108,000
across active loans
Employee savings
$10,584
vs 8% standard rate
Your rate
4.5% APR
vs 8% without benefit
You guarantee repayment
If an employee misses payments, Cub contacts you before any collection action. You can deduct from final paycheck.
Rate drops from 8% → 4.5%
Cub prices out default risk — your guarantee eliminates most of it. The savings go straight to your employees.
Zero cash required today
You only pay if an employee defaults and you choose to cover. Historical default rate on employer-backed loans: <1%.
Unlock 3% APR with payroll deduction
Connect Gusto, Rippling, or ADP — repayments come out of payroll and default risk disappears entirely.