EarnIn
PrivateLast Round
Debt
Sep 10, 2025
Total Funding Raised
$415.1M
Momentum
Top 10%
of companies Caplight tracks
Company Overview
EarnIn is a fintech company that provides a payroll disbursement platform allowing employees to access their earned wages in real-time without interest or fees.
Sector
FinTech
Verticals
Lending & Credit, Digital Banking, Personal Finance, HR
Business Model
B2C
Customer Profile
Usage-Based SaaS, Freemium
AI Layer
Application
Keywords
Historical Pricing
Historical view of private secondary pricing and transaction trends.
EarnIn Comparables
Compare EarnIn with similar companies based on industry and business-model similarity.
| Company | Similarity | Market Cap |
|---|---|---|
| DailyPay | 83% | |
| Rain | 82% | |
| Payactiv | 82% |
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EarnIn Funding Rounds
Historical fundraising activity
| Round | Date | Amount Raised | Valuation | Investors | Sources |
|---|---|---|---|---|---|
| Debt | Sep 10, 2025 | ||||
| Debt | Sep 2, 2024 | ||||
| Series C | Dec 20, 2018 | ||||
| Series B | Sep 21, 2017 | ||||
| Series A | Jan 9, 2017 | ||||
Seed | Jul 1, 2014 |
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Key People
Founding team and executive leadership
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EarnIn Investors
Notable investors and investment history
| Investor | Rounds |
|---|---|
| Andreessen Horowitz | Series C, Series B |
| Matrix | Series A, Series B, Series C |
| A16z Cultural Leadership Fund | Series C |
| Mitsubishi UFJ Financial Group | Debt |
| DST Global | Series C |
| Camp One Ventures | Seed |
| Spark Capital | Series C |
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Market signals
Structured signals derived from secondary market and firmographic data.
- May 27, 2026
Partnered with Cabrillo College for a CIS Apprenticeship program.
- May 27, 2026
Provided access to $10 billion in earnings.
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Recent news
Latest coverage and updates
- receives_financingOct 5, 2026
On Oct 5th '26, Earnin secured a $150M committed warehouse facility from one of Canada's premier financial institutions in California to diversify its capital base and support continued growth.
- has_issues_withSep 9, 2026
Colorado Attorney General Phil Weiser files a lawsuit against Earnin on Aug 27th '26 in Colorado, accusing it of illegal, high-cost lending, deceptive practices, and violations of Colorado's payday lending and consumer credit laws; Colorado seeks consumer refunds, civil penalties, and an order stopping the alleged practices, but the allegations remain unproven.
- has_issues_withSep 6, 2026
Lawyers from the Colorado Attorney General's Office allege that Earnin uses deceptive practices to collect tips, as the company faces a lawsuit filed in Colorado on Aug 27th '26.
- has_issues_withSep 6, 2026
Earnin faces a lawsuit filed by the Colorado Attorney General’s Office in Colorado on Aug 27th '26, alleging that its earned-wage access products violate state lending laws through excessive effective interest rates and deceptive practices, while the company maintains they are not loans.
- has_issues_withAug 28, 2026
Earnin faces a Colorado lawsuit filed on Aug 27th '26 alleging that its earned wage advances are illegal payday loans, unlicensed high-cost loans, and involve manipulative app design.
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EarnIn Filings
Explore SEC and related filing metadata, where available.
| Type | Date | Amount Offered | Amount Sold | Filing | Pages | Download |
|---|
Filing documents are not displayed on this public page. Request access to learn about available coverage.
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Frequently Asked Questions
Common questions about EarnIn's valuation, stock price, and market status.
Is EarnIn a public or private company?
EarnIn is a private company.
What is the current stock price of EarnIn?
EarnIn is a private company, so its shares have no public market price. Caplight tracks EarnIn's secondary market activity and provides MarketPrice™ estimates of its share price to Caplight users.
How much is EarnIn worth (valuation)?
Valuation information for EarnIn is not publicly available.
Can I buy EarnIn stock?
EarnIn shares may be available on secondary markets subject to transfer restrictions. Caplight facilitates secondary market transactions for accredited investors.
When was EarnIn's last funding round?
EarnIn's most recent funding round was Debt on September 10, 2025.
Who are the main investors in EarnIn?
Key investors in EarnIn include Andreessen Horowitz, Mitsubishi UFJ Financial Group, Spark Capital, Ribbit Capital, March Capital.
Will EarnIn IPO soon?
No public IPO plans have been announced for EarnIn.
How can I track EarnIn secondary market activity?
Caplight tracks bids, offers, and trades in EarnIn's shares on secondary markets.