What to Know About Rain

Rain is a zero-cost-to-the-employer financial health benefit that goes beyond earned wage access. It gives employees the tools to stabilize their finances today, take control of their spending, and build long-term resilience, all tied together by Rain's AI Financial Health Agent. Employees who use Rain work more hours, show up for more shifts, and stay longer, giving your clients a real edge in hiring and retention.

Benefits of Rain and Employer Outcomes

Increased Retention

Employers offering Rain see 35% lower turnover in hourly roles.

Improved Attendance

Employees who use Rain work 17+ more hours per month on average than employees who aren't offered the benefit.

Boosted Hiring Results

Employers working with Rain see up to 2x more job applications on average, plus higher offer acceptance rates.

Seamless Integration

Rain integrates with most major HCM and timekeeping systems for a fast, low-effort setup. Employees can access up to 50% of their earned wages, backed by best-in-class user support.

Key Differentiators

• First AI Financial Health Platform. Rain's AI Financial Health Agent works in the background to anticipate cash flow gaps, help avoid overdrafts and late fees, and guide employees toward long-term financial stability, not just instant pay.
• "Best-of-Both" Models. Employers keep full payroll control while Rain automates repayment through a single deduction each cycle. No changes to direct deposit, no new process for HR or payroll.
• Proven At Scale. $4B+ in earned wages delivered across 4M+ employees and 1,200+ employers, including McDonald's, Marriott, and T-Mobile.
• Secure and Data-Minimal. ISO 27001 and SOC 2 certified, zero data breaches to date. Rain operates on a data minimalistic model, collecting only the minimum data needed to power the Rain program. Rain does not collect sensitive personal data like DOB or SSN.

Target Customers

Common Traits

• Employers with hourly workforces and 500+ employees
• Facing recruiting or retention pressure, current or anticipated
• Looking to expand their benefits package with a financial health offering, not another "perk"

Key Profiles

• CHRO / VP of HR: Focused on retention and engagement
• Payroll: Prioritizes seamless implementation & process continuity
• Total Rewards: Wants a strong, differentiated employee value proposition
• CFO / Finance Leaders: Looks for ROI and reduced turnover costs

What's In It for You

Become a trusted advisor by bringing your clients a financial health benefit that costs them nothing and helps you close.

• Increase deal conversion by offering a benefit at zero cost to your client
• Strengthen your value proposition with a differentiated, proven offering
• Submit a lead any time you have a client interested in Rain; our team takes it from there

How to Position Rain and What to Say

By Industry

• Healthcare — High-stress roles, long shifts. Rain supports recruitment and helps reduce burnout-driven turnover.
• Hospitality & QSR — High turnover, fluctuating schedules. Rain attracts workers and increases shift pickup rates.
• Manufacturing & Logistics — Hard-to-fill 24/7 operations, shift-based workforces. Rain helps reduce absenteeism and improve retention.
• Retail — Seasonal demand, part-time roles. Rain is a competitive advantage in hiring.
• Transportation & Warehousing, Security, Non-Profits — Large hourly workforces facing similar retention and financial stress pressures. Rain applies the same way.

Discovery Questions

• What financial wellness or financial health perks do you currently offer employees?
• Have you considered how access to earned wages could give you an edge in today's hiring market?
• What's your current strategy for improving retention and reducing turnover?

Why Financial Health, Not Just Instant Pay

Most employees aren't just short on cash between paychecks. They're stuck without a way to build toward stability. Rain's AI Financial Health Agent combines payroll and workforce data with each employee's financial picture to proactively help them avoid shortfalls, manage spending, and build savings, not just access wages faster.

Financial health is at the heart of Rain, enabling employers to:

• Increase retention
• Improve attendance
• Boost hiring results