When was Earnin founded?

Earnin was founded in 2012 and raised its 1st funding round 2 years after it was founded.

Where is Earnin located?

Earnin is headquartered in Palo Alto, United States. It is registered at 200 PORTAGE AVE,PALO ALTO,CA,94306.

Who is the current CEO of Earnin?

Ram Palaniappan of Earnin. They have also founded 1 company.

How many employees does Earnin have?

As of Jul 31, 2026, the latest employee count at Earnin is 597.

Is Earnin a funded company?

Earnin is a funded company, having raised a total of $190M across 5 funding rounds to date. The company's 1st funding round was a $***** Seed round, raised on Jul 23, 2014.

How much is Earnin worth?

The latest valuation of Earnin is $***** as of Sep 06, 2019.

When was the latest funding round of Earnin?

Earnin's latest funding was a $***** Conventional Debt round on Sep 10, 2025, with participation from 1 investor.

Where does Earnin rank among its competitors?

Earnin ranks 1st amongst 302 active competitors, of which 65 are funded. It stands 3rd in terms of total funding among its competitors. The most recent competitor to raise funding was DailyPay, which secured $200M in Feb, 2026.

Who are the top competitors of Earnin?

Earnin's top competitors include Payflow, Stream and Brigit. Among them, DailyPay secured the most recent funding round in February, 2026.

Earnin - 2026 Company Profile, Team, Funding & Competitors

Earnin is a series C company based in Palo Alto (United States), founded in 2012 by Ram Palaniappan. It operates as a Provider of a platform for accessing earned wages and financial tools. Earnin has raised $190M in funding from investors like Andreessen Horowitz, Spark Capital and Felicis Ventures, with a current valuation of $*****. The company has 302 active competitors, including 65 funded and 21 that have exited. Its top competitors include companies like Payflow, Stream and Brigit.

Company Details

Provider of a platform for accessing earned wages and financial tools. The platform offers tools for accessing earned wages before payday. It also provides features for balance alerts, credit monitoring, and savings options. The platform aims to help users manage their finances.

Website: www.earnin.com/
Social
Email ID: *****@earnin.com
Registered Address: 200 PORTAGE AVE,PALO ALTO,CA,94306

Key Metrics

Founded Year

2012

Location

Palo Alto, United States

Stage

Series C

Total Funding

$190M in 5 rounds

Latest Funding Round

Conventional Debt, Sep 10, 2025, $*****

Post Money Valuation

$***** as on Sep 06, 2019

Investors

Andreessen Horowitz & 17 more

Ranked

1^st among 302 active competitors

Employee Count

597 as on Jul 31, 2026

Similar Companies

Payflow & 271 more

View Earnin's full profile

Earnin is associated with 2 legal entities given below:

Legal Entity Name	Date of Incorporation	Revenue	Latest Employee Count	Documents
EARNIN US1 LLC CIN: 10263439 , United States, Active	Feb 25, 2024	-	-	-
ACTIVEHOURS INC. CIN: 5174018 , United States, Active		-	242 (As on Dec 31, 2022)	-

Earnin has raised a total funding of $190M over 5 rounds. Its first funding round was on Jul 23, 2014. Its latest funding round was a Conventional Debt round on Sep 10, 2025 for $*****. 1 investor participated in its latest round. Earnin has 18 institutional investors.

Here is the list of recent funding rounds of Earnin:

Filter this list

Date of Funding	Funding Amount	Round Name	Post-Money Valuation	Revenue Multiple	Lead Investors	Other Investors
Sep 10, 2025	7255158	Conventional Debt	8707533	8588797	6053975	1343620
Dec 20, 2018	7371162	Series C	3566013	4717371	9277788	Andreessen Horowitz & 2 more
Sep 21, 2017	7584346	Series B	5309190	2254801	Andreessen Horowitz	Ribbit Capital & 2 more

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View details of Earnin's funding rounds and investors

The founders of Earnin is Ram Palaniappan.

Here are the details of Earnin's key team members:

Ram Palaniappan: Founder & CEO of Earnin.
Contact Info: 1 email address

View details of Earnin's Founder profiles and Board Members

Earnin's employee count trend

Earnin has 597 employees as of Jul 26. Here is Earnin's employee count trend over the years:

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Top competitors of Earnin include Payflow, Stream and Brigit. Here is the list of Top 10 competitors of Earnin, ranked by Tracxn score:

Rank	Company Details	Short Description	Total Funding	Investors	Tracxn Score
1st	Earnin 2012, Palo Alto (United States), Series C	Provider of a platform for accessing earned wages and financial tools	$190M	TriplePoint Capital, Graph Ventures & 16 others	77/100
2nd	Payflow 2020, Madrid (Spain), Acquired	Online financial services platform for on-demand pay and savings	$41.3M	Cathay Innovation, Wayra & 34 others	76/100
3rd	Stream 2018, London (United Kingdom), Acquired	Workplace financial wellbeing platform that provides employees with tools to access earned wages	$228M	Northzone, QED Investors & 53 others	76/100
4th	Brigit 2017, New York City (United States), Acquired	Mobile application offereing loans	$38M	Canaan, Lightspeed Venture Partners & 17 others	74/100
5th	DailyPay 2015, New York City (United States), Series D	Financial wellness and earned wage access platform that enables employees to access their earned pay on-demand	$264M	Carrick Capital Partners, Intercept Ventures ... & 47 others	74/100
6th	Rain 2002, Venice (United States), Series B	Provider of a platform offering payday loans	$164M	QED Investors, Invus & 31 others	73/100
7th	minu 2019, Miguel Hidalgo (Mexico), Acquired	Online on demand pay solutions for employees	$58M	QED Investors, Working Capital & 29 others	72/100
8th	Clair 2019, New York City (United States), Series B	Cloud-based employee benefits platform for on-demand pay	$67.7M	Thrive Capital, Upfront Ventures & 9 others	70/100
9th	ZayZoon 2014, Calgary (Canada), Series B	Provider of earned wage access, perks, and financial wellness solutions	$80.5M	Viola Group, Export Development Canada & 11 others	68/100
10th	PayActiv 2012, San Jose (United States), Series C	Platform providng prepaid corporate cards for employee benefit	$134M	Generation Partners, Eldridge Industries & 6 others	67/100