Income Advance is a lasting solution to employee financial stress that lets your employees get an emergency loan the same day.


This inexpensive and easy-to-set-up program can foster financial wellness for all employees, increase productivity and retention, and enhance a business environment that cultivates trust, opens doors, and builds bridges. 

We’re here to help. Begin your Income Advance journey with the help of our pathways below.


I want to learn more about the basics of Income Advance, the positive impact it can have, and the resources it will take to implement at my business. 

I'm already convinced and I'm ready to learn how to implement the Income Advance at my business.

The Virtual Peer Group comprises three, one-hour virtual sessions once a month, giving you the chance to learn from us and share with peers as you implement the program.

I know how to implement the program, I just need access to the open source tools and document templates.

Do you work for a financial institution?

You are a critical partner in this important effort to help hardworking employees avoid predatory lenders, build credit, and begin to save. The pathways above are designed for employers and employees, so we have a slightly different track for you:  Click Here

Support this movement. Pay It Forward!

Please consider donating to help support the continued development, maintenance, and spreading of these free materials to others.

Who made this guide, and why?

The Income Advance Guide was created by Rhino Foods and B Lab, two organizations committed to creating a shared and durable prosperity. We partnered to create this guide because we believe that Income Advance has tremendous potential to improve the lives of millions of employees.


Rhino Foods is a manufacturer of inclusions for ice cream and other specialty dessert items that has always had a deep commitment to their employees. Built into the organization’s foundation is a promise to establish relationships with employees and their families, create a climate of mutual trust and respect, foster an environment for listening and personal expression, and provide a vehicle for employees to develop and achieve their personal and professional aspirations. Income Advance was a natural fit for Rhino Foods, and because of its success with Income Advance, Rhino Foods has been working with employers to expand implementation of the program.

B Lab is a nonprofit organization that serves a global movement of people using business as a force for good. Its vision is that one day all companies compete not only to be the best in the world, but the best for the world, and society will enjoy prosperity for all for the long term.  B Lab runs the Inclusive Economy Challenge, and is scaling impactful solutions that contribute to creating a more inclusive economy as a result. B Lab partnered with Rhino Foods, a Certified B Corporation since 2013, to elevate their efforts and to help spread this proven solution to more employers and financial institutions.