Reasons to Exhale

Benefits with an impact

57% of employees say finances are their top cause of stress.1 Those who are not stressed about their finances consistently report feeling more productive at work, less distracted, and less likely to leave.
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Proven to strengthen your business

According to our data, employees using Exhale stay with their company twice as long as those who don't, increasing productivity and reducing turnover-related costs.
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Insights anytime, anywhere

Keep track of your benefits and usage with Exhale HQ, an easy-to-use tool for employers accessible on desktop or mobile.
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Fully compliant and secure

Exhale uses industry-standard encryption and data storage. All financial transactions are protected with bank-grade security.
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Seamless integration

Exhale disburses funds and collects repayment from participating employees' paychecks after you run payroll, no changes or accounting work required.
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Personalized support

We'll partner with you to create a customized rollout plan. Plus, our team is always just a chat, email, or phone call away. Let us handle employee support so you can focus on running your business.
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Works with your payroll system

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Setup as easy as 1-2-3


Connect payroll

Log in to your payroll provider from Exhale to connect within minutes.


Pick your Perks

Use our out-of-the-box Perks, or customize to your heart's content. Our team will walk you through it.


Invite your employees

We'll put together a custom rollout plan with you, and be on hand for any employee questions.

Keep crushing it

You just gave your team financial peace of mind, and yourself more time to focus on your business.

How businesses are making an impact with Exhale

See all case studies

Great Clips streamlines and elevates financial support solutions

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Small businesses in Reno retain talent with financial benefits

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Webb Medical builds a culture of trust by alleviating financial stress

Read the story
Is Exhale a bank?

Exhale is a financial technology company and not a FDIC-insured bank. Checking accounts are provided by Lewis & Clark Bank, Member FDIC. Funds deposited into the checking account may be eligible for up to $250,000 of FDIC insurance. The FDIC's deposit insurance coverage only protects against the failure of a FDIC-insured depository institution.

How does Exhale affect my payroll and accounting?

You should expect little to no change to existing HR, accounting, or administrative processes. When first integrating Exhale, we partner with you to set up your benefits, import employee information, and plan rollout communications.

When employees sign up with Exhale—depending on your payroll system and how employees choose to connect their paycheck—you may need to approve changes in payroll or update their settings directly. Otherwise, we'll handle all onboarding support and user support so you can truly "set it and forget it."

How do you determine how much an employee can borrow?

We've built our lending parameters carefully to ensure we are offering realistic options to employees. When evaluating an application, we consider the applicant's paycheck data, banking history, and tenure to evaluate an individual’s overall creditworthiness before approving or rejecting their application. Access to this data is authorized by the employee when they sign up with Exhale.

Since we do not charge interest, we are highly motivated to ensure responsible lending. And by encouraging reasonable borrowing amounts and timelines, employees face fewer risks and financial stress.

Am I liable for my employees' payments to Exhale?

No, you are not liable for employees' payments to Exhale. Exhale takes full responsibility for communicating all terms and conditions to employees, providing direct support, and handling delinquent payments.

How does Exhale make money?

We don't believe in making employees pay extra fees or interest. We charge you a flat rate per month per active user, that's it. We'd love to discuss our pricing plan and how to strengthen your bottom line—just get in touch!

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