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 Jun 30, 2026, the latest employee count at Earnin is 598.

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.

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 4th amongst 1320 active competitors, of which 170 are funded. It stands 4th 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 Gusto, Stream and Payflow. Among them, DailyPay secured the most recent funding round in February, 2026.

Earnin - 2026 Company Profile, Team, Funding & Competitors

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, $*****

Investors

Andreessen Horowitz & 17 more

Ranked

4^th among 1320 active competitors

Employee Count

598 as on Jun 30, 2026

Similar Companies

Gusto & 1266 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	5326585	Conventional Debt	5485554	4503266	7518936	5929428
Dec 20, 2018	6059924	Series C	1516230	5974165	9246403	Andreessen Horowitz & 2 more
Sep 21, 2017	5973787	Series B	5945682	2954619	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. Ram Palaniappan is the CEO of Earnin.

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 598 employees as of Jun 26. Here is Earnin's employee count trend over the years:

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Top competitors of Earnin include Gusto, Stream and Payflow. 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	Gusto 2012, San Francisco (United States), Series E	Cloud-based payroll, benefits, and HR software for small and medium-sized businesses	$718M	T. Rowe Price, CapitalG & 84 others	84/100
2nd	Stream 2018, Arlington (United States), Acquired	Workplace financial wellbeing platform that provides employees with tools to access earned wages	$228M	Northzone, QED Investors & 52 others	78/100
3rd	Payflow 2020, Madrid (Spain), Acquired	Online financial services platform for on-demand pay and savings	$41.3M	Cathay Innovation, Wayra & 34 others	77/100
4th	Earnin 2012, Palo Alto (United States), Series C	Provider of a platform for accessing earned wages and financial tools	$190M	Spark Capital, Graph Ventures & 16 others	76/100
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	75/100
6th	Brigit 2017, New York City (United States), Acquired	Mobile application offereing loans	$38M	Lightspeed Venture Partners, Canaan & 17 others	75/100
7th	PayScale 2002, Seattle (United States), Acquired	Offers payroll compensation management software	$118M	Mercer, Allen & Company & 11 others	74/100
8th	Rain 2002, Venice (United States), Series B	Provider of a platform offering payday loans	$164M	Prosus, QED Investors & 31 others	74/100
9th	minu 2019, Miguel Hidalgo (Mexico), Acquired	Online on demand pay solutions for employees	$58M	QED Investors, Working Capital & 29 others	72/100
10th	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	71/100