Wonga \UK

FlowFront is a B2B2C platform that partners with shift-based employers (hospitality, retail, healthcare, logistics) to offer workers instant access to earned wages before payday, combined with zero-interest micro-advances for emergencies. Unlike Wonga's direct-to-consumer payday loans, FlowFront embeds into payroll systems and uses real-time shift data to eliminate credit risk—workers can only access money they've already earned. The revenue model is a £2.50 flat fee per transaction paid by workers, plus a £3/employee/month SaaS fee paid by employers (who benefit from reduced turnover and absenteeism). For true emergencies beyond earned wages, FlowFront offers 0% APR advances up to £150, repaid automatically from next paycheck, underwritten using 12 months of shift attendance and payroll data. This avoids FCA consumer credit regulation (it's a payroll service, not a loan) while solving the same cash-flow problem Wonga addressed. The key differentiation: we're not lending money people don't have—we're accelerating access to money they've already earned, with a small emergency buffer underwritten by employment stability rather than credit scores.