Zero out of pocket

Front the money.
Catch every benefit.

BenefitsFront fronts the cash so you can capture every dollar your employer puts on the table — ESPP discount, 401(k) match, HSA match, RSU bridge, and more. You keep 75% of the upside.

$0B
in employer-funded benefits
go unclaimed by US employees every year

Private beta — onboarding our founding employer cohort

See Your Potential Earnings

$120,000
$50K$300K
10%
1%15%

Advance Amount

$6,000

per 6-month period

You Keep

$794

75% of profit

Gross Profit

$1,059

Our Fee (25%)

$265

Based on 15% ESPP discount. Zero out of pocket.

Zero Out of Pocket

We advance 100% of your contribution. Your take-home pay doesn't change.

Zero Risk

If the stock doesn't profit, you owe nothing extra. We only profit when you profit.

100% Transparent

75% of profit goes to you. 25% to us. No hidden fees, no fine print.

One platform, every benefit

Front the cash. Catch the benefit.

Most employees leave 10–30% of their total comp on the table because they can't afford the payroll drag. We advance the contribution; you capture the upside.

Live

ESPP Front

Capture the 15% ESPP discount without cutting your take-home pay.

~15% of contribution per cycle

Live

401(k) Match Catcher

Front your 401(k) contribution to capture the full employer match. Often the highest-ROI benefit on the menu.

50–100% match (free money)

Q3 2026

HSA Match Maximizer

Capture your employer's HSA match plus the triple tax advantage that stacks on top.

Match + 3× tax savings

Q3 2026

RSU Tax Bridge

Cover your RSU tax withholding so you don't have to sell shares at vest. Keep the position, fund the IRS.

Avoid forced sale at vest

Q4 2026

Options Early Exercise

Front the strike price + AMT for ISOs so you start the long-term capital gains clock at the lowest basis.

LTCG clock + AMT cushion

Roadmap

Student Loan Match

SECURE 2.0 lets employers match student loan payments into the 401(k). We front the payment so you capture the match.

Up to 100% 401(k) match

Roadmap

Tuition Reimbursement Bridge

Front the tuition payment so you can claim your employer's tax-free reimbursement (up to $5,250/yr under §127).

Up to $5,250/yr tax-free

Roadmap

Deferred Comp Forward

For high earners deferring comp — bridge the cash gap until the deferred dollars vest, without disrupting your liquidity.

Tax-deferred upside

Status labels reflect product availability on the BenefitsFront platform. ESPP and 401(k) Match are originated by our bank partner; other products may have separate eligibility criteria and regulatory disclosures at launch.

How it works

Three steps to free money

From signup to profit in under 10 minutes

01

Enroll

Connect your employer ESPP plan, choose your contribution %, and sign the Participation Financing Agreement.

~5 minutes
02

We Advance Cash

BenefitsFront funds your contribution. Your paycheck stays the same. The advance is deposited directly.

Within 2 business days
03

You Profit

At the end of the offering period, your shares are sold. You repay the advance and keep 75% of the profit.

Every 6 months
$0B

Unclaimed employer benefits/year in the US

0

Benefit products live + on the roadmap

$0

Out of pocket for the employee

0%

Of every captured dollar goes to you

Security & Compliance

Built on trust

We meet the highest standards in financial security and regulatory compliance.

Bank-level Security
256-bit TLS Encryption
No Credit Check
SOC 2 Certified
IRS-Compliant Structure
FDIC Insured Advances

SOC 2 Type II Certified

Independently audited security controls covering availability, confidentiality, and data integrity.

256-bit TLS Encryption

All data in transit and at rest is encrypted using bank-grade AES-256 encryption standards.

IRS-Compliant Structure

Our profit-sharing model is structured in consultation with leading tax counsel. PLR filed with IRS.

Real-world math

What you could capture

Illustrative scenarios using public ESPP and 401(k) plan terms. Your number depends on your employer's plan and your contribution.

ESPP

Software engineer · $145k salary

Maxes 15% ESPP at a 15% discount with 6-month lookback

You capture

$1,917

Per cycle, your share of the discount profit (75%). $2,556 gross.

401(k) Match

Product manager · $130k salary

Captures the full 100% employer match up to 4% of pay

You capture

$5,200/yr

Free money employee couldn't access without fronting the contribution.

Combined

Engineer · $160k salary

Captures 15% ESPP discount + full 50% 401(k) match

You capture

$6,400+/yr

Two products, one platform, zero paycheck impact.

These are illustrative examples, not actual customer results. BenefitsFront is in private beta — your eligibility, discount %, employer match terms, and capture amount will vary by your employer's plan.

Frequently asked questions

Ready to capture your benefits?

We're in private beta with a small group of employers. Get on the early-access list — it takes 60 seconds.

No credit check · No upfront cost · Cancel anytime