Keep Financial
Revolutionizing Compensation.
Create, customize, and deliver vesting cash bonuses to employees for enhanced recruiting, retention, and performance.


Keep Financial.
We offer a compensation platform designed to help businesses create, manage, and distribute hiring and retention packages.
The employee is not required to withdraw the full bonus given to them up front, but may withdraw partial amounts at any time, regardless of the vesting schedule. At vesting milestones, the employer pays down the bonus while the employee is at the company.
This gives the employee early access to funds for whatever life goals they’re looking to accomplish.
Manage all your vesting cash bonuses on one platform.



- Choose bonus amount
- Length of vesting schedule
- First vesting cliff
- Vesting cadence thereafter


Compensation that works.
Hire top talent
Retain employees
Reward employees for their performance and ongoing commitment. The financial rewards and freedom drives employment longevity.
Reduce hiring time and expense

Increase productivity
Help employees achieve goals
Manage salary escalation
Aligning Employee & Business Objectives.
Often, compensation benefits weigh more on one party than the other.
With a Vesting Cash Bonuses from Keep, both parties benefit and succeed together.

Employee Needs
- Achieve financial goals earlier. Home down payment, pay debt, etc.
- Enjoy financial freedom. Take what you want, when you want.
- Receive ongoing recognition and rewards for good work



Business Objectives
- Attract great talent for every position, without compromise
- Nurture, engage and retain your employees
- Empower employees to fulfill their true potential and thrive
Questions?
We’ve got answers.
FAQ.
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A Keep Vesting Cash Plan enables employers to offer their employees cash upfront that vests over time with a legally enforceable right to repayment. It is structured as a 0% loan in order to facilitate the repayment process in the event of an early employee exit.
There is no cost to sign up and learn more. When a loan is issued, the employer will pay Keep 2.75% of the aggregate amount of bonuses issued in a given month, subject to a minimum payment of $250 per employee loan.
Keep is currently only available in the U.S.
Yes. If an employee receives cash and the retention period is not fully fulfilled, then any portion that has not vested must be repaid within a 60-day repayment period. If, after the Full Repayment Period, there is a remaining balance, this balance converts to a 1 or 3 year (employee choice) interest-bearing installment loan, paid monthly over 12 or 36 months, as the case may be. If the employee is late on their monthly payments, their account will default and Keep will collect any remaining balance.
Keep escrows the appropriate percentage of the loan to be taxed and withholds them when loan proceeds are deposited into an employee account.
The employer can fund the bonuses themselves or Keep can fund the loans with your guarantee. If Keep is asked to fund the loans, there will be an additional cost and Keep will underwrite your company. Keep accept payments via ACH and wire.
To get started, simply sign up through our website. A representative will contact you to help you with any questions you may encounter in the sign-up process.
Yes. After receiving a signed agreement between employee and employer, Keep will complete any regulatory review required, ensure that your employer is current on its obligations with Keep, and fund your loan within 1-2 days thereafter. We will notify you when we have initiated funding. Keep Vesting Cash Plan funds can be transferred to your bank account once this process is completed.
If you have withdrawn more cash than has vested at the date of your departure from your company, you are legally required to pay back the total remaining balance on your vesting schedule. There is a 60-day repayment period at 0% interest before the loan converts into a 1 or 3 year interested-bearing loan, divided into monthly payments.
Keep Cash Plans are structured as loans in order to facilitate the vesting process, and in the event of early employee exits, the collections process. However, these loans are offered at 0% interest during your tenure at your company and are fully prepaid by your employer.
Yes. Once your Keep Vesting Cash Plan has been signed by both parties, you can access 100% of your available funds.
The cash is yours to allocate however you see fit. Alleviate any financial stressors, make a down payment, invest, or more. The possibilities are limitless.
During your tenure at the company that offered you the Keep Vesting Cash Plan, your loan will have a 0% interest rate. If you leave the company before your plan fully vests and you have withdrawn more cash than has already vested, you are legally required to pay back the total remaining balance on your vesting schedule. There is a 60-day repayment period at 0% interest before the loan converts to a 1 or 3 year interest-bearing loan, divided into monthly payments.
You will not be taxed on the loan you receive from Keep. However, when your employer prepays this loan (on each of your vesting dates), you will be taxed for the amount that has vested.
