Employee
Reinventing Compensation
Get access to cash now and rewarded for your time with a Vesting Cash Bonus from Keep.

Vesting Cash Bonuses from Keep provide financial freedom and flexibility.
You can access 100% of your Keep bonus via a 0% interest loan1 allowing you to take the money up front. At each milestone, the portion that vests is no longer required to be paid by you.2
Employers are investing in their employees’ future – enabling them to achieve any of their personal financial goals such as:
- Investing
- Making a home down payment
- Pay down student debt
- Pay Bills
- Anything you wish, it’s your money

How Vesting Cash Bonuses Work
Employee
Receives a Vesting Cash Bonus through Keep from her employer


Withdraw Funds
Sarah likes the flexibility of accessing the money upfront and she withdraws the funds. She invests a portion, pays down student loans, and takes a trip.
Vesting Milestones Hit

Features.
Keep Financial makes it easy to track your vesting cash milestones and manage your money.
Track Vesting
View and track your vesting milestones. At each milestone that portion of the loan no longer part of your balance owed.

Anytime Access to Funds
Withdraw any amount of the full vesting cash plan whenver you want. Invest, put a downpayment on a home, take a trip. Whatever you like.

Manage Multiple Bonuses
Your employer may give you multiple vesting cash bonuses with different vesting periods. Easily track vesting milestones of each of your plans.

0% Interest Loan

Milestone Nofitications
Keep notifies you via email address when you hit these milestones so you don’t need to stay on top of tracking them.
Questions?
We’ve got answers.
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If you have withdrawn more cash than has vested at the date of your departure from your company, you are legally required to pay back the total remaining balance on your vesting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.