Who are CashD?

Founder’s note

After a conversation with an old work colleague, I thought there must be a better solution for the everyday worker than payday loans and early wage access. Both are expensive to access, can damage your credit score and end in financial penalties.

Looking abroad, I could see that earned wage access was a cheaper alternative and, in countries like the US, well understood and heavily used. According to Fortune Business Insights, the global earned wage access market is set to grow from US$7.1 billion in 2025 to US$8.84 billion in 2026, and to US$52 billion by 2034. North America dominates, with a current market share of 42.10%.

I asked myself: why is this type of finance so unknown and underused in Australia and New Zealand? Could I build a business that gives the everyday worker a cheaper alternative? In 2020 I created CashD to let workers access their earned wages in real time, rather than waiting for a pay cycle or taking out short-term finance. This payroll benefit carries zero risk to employers, boosts staff retention and ends reliance on high-cost credit. An unusual win-win for everyone.

Our mission

To empower Australian and New Zealand employers with real-time earned wage access solutions that enhance workforce financial well-being, boost retention, and eliminate employee reliance on high-cost loans.

Our vision

To provide innovative financial solutions to the global workforce, enabling people to use their earned pay to secure a more stable financial future for themselves and their loved ones.

What we believe

• Employees deserve ethical, transparent and affordable access to their earned pay.
• Employers deserve employee benefits that increase staff retention and happiness.