Earnings management company EarnIn, which specializes in financial wellness solutions, has secured a $75 million senior secured revolving credit facility from Mitsubishi UFJ Financial Group (MUFG) to support the expansion of its product suite, including its flagship Live Pay offering. The financing package was structured solely by MUFG, which also acts as the sole lender for the facility. This capital is intended to provide EarnIn with a scalable and cost-effective funding source to facilitate the growth of its services. EarnIn operates in the FinTech sector, providing workers with solutions like Early Pay, which offers access to wages up to two days before payday, and Cash Out, enabling users to unlock a portion of their earned income prior to their regular pay cycle. Its newer offering, Live Pay, allows employees to stream their earnings in real time, with the option to receive up to $1,500 per pay period. Jacopo Lenzi, Chief Financial Officer at EarnIn, commented on the development, stating, “This facility gives EarnIn greater flexibility to meet the growing demand for streaming pay.” He added, “We’re grateful for MUFG’s partnership in structuring a solution aligned with our long-term vision, and their expertise will help us expand real-time access to earnings for more people.” Arthur Ng, Managing Director in MUFG’s Growth and Middle Market Technology team, affirmed the bank’s commitment: “Our partnership with EarnIn underscores MUFG’s strong commitment to delivering financial innovations that meet rising consumer demand and to companies reshaping the future of financial services.” Ng further noted, “We are excited to support EarnIn’s continued expansion and mission of improving financial wellness for millions of workers.”