Earned wage access, not a loan
FuataApp gives employees at partner companies mid-month access to the wages they've already worked for — at a flat 6% administration fee, with no interest, no CRB checks, and nothing to repay.
The mid-month squeeze
Across African workplaces, unexpected costs rarely wait for payday. Rent, school fees, medical bills and family emergencies land on the 12th just as often as the 28th, and the borrowing options that fill the gap are rarely kind to the borrower.
What informal lenders and shylocks commonly charge per month on short-term borrowing — even higher once a borrower has been listed on the CRB and formal credit dries up.
Employers across African markets already field informal salary advance requests from staff — a sign of real demand that most payroll systems aren't built to handle well.
Typical monthly rate on conventional salary advances and logbook-style loans — cost that compounds for staff who need a top-up more than once a quarter.
Figures are indicative, drawn from industry and market reporting on informal and formal lending across African economies, and will vary by lender, region and borrower profile. FuataApp does not check or report to the CRB, because earned wage access is not credit.
The alternative
A salary advance or logbook loan is still a debt — interest accrues, and a missed repayment can land you on the CRB. Earned wage access is different: there's nothing to repay, because it was never a loan.
How it works
FuataApp partners directly with your employer under a signed agreement — no company, no access. This keeps the service accountable and payroll-linked.
Once your employer is onboarded, the app tracks the wages you accrue each working day — in real time, based on your actual pay structure.
Around the middle of the month, request access to a portion of what you've already earned — enough to bridge you comfortably to payday.
You receive the amount requested, less a flat 6% admin fee, instantly via mobile money. It's settled automatically from your salary at month end.
What you get
Tap, request, receive. Most requests are disbursed to mobile money within minutes of approval.
A flat 6% administration fee, shown before you confirm. No interest, no penalties, no surprise charges.
Because this isn't credit, we never check or report to the CRB. Your credit standing is never at risk.
There's no loan to service. The amount accessed is simply reflected in your normal end-of-month payslip.
We plug into your employer's existing payroll and HR systems, so balances stay accurate without manual work.
HR and finance teams get visibility into usage trends, helping them support staff wellbeing with real data.
Our impact
When staff no longer need to borrow to survive the month, the ripple effects reach far beyond one payslip. This is the shift FuataApp is building toward, one MOU at a time.
Emergencies stop being a crisis. Staff can meet a mid-month need without the anxiety of finding a lender or a guarantor.
Money that would have gone to interest can go toward savings, school fees or a small business — the goals borrowing usually delays.
Earned wage access replaces the need to borrow against next month's salary, so staff aren't starting each month already behind.
No collateral, no guarantors, no CRB listings — just fair access to money that was already earned through a day's work.
For employers
FuataApp partners with employers, not individuals. Once your company signs a Memorandum of Understanding with us, every eligible employee gets access to the earned wage feature — at no direct cost to the business.
Tell us about your company and we'll send a tailored proposal, straight to our partnerships team.
Frequently asked
Straight answers about how earned wage access works, and how it's different from borrowing.
Let's talk
Bring earned wage access to your company. Our partnerships team will walk you through the MOU, integration and rollout.