Draft:Rain Technologies

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Rain Technologies (doing business as Rain) is an American fintech company that provides earned wage access services to companies. The company was founded in 2019, and is headquartered in Santa Monica, California.

Rain was founded in 2019 by Alex Bradford and Jennifer Terrell.² The company's technology was designed to expedite payroll access for employees living paycheck to paycheck.⁵ It completed its first transaction in March 2020.⁵

In December 2020, Rain set up an Indian subsidiary, which reported 2 million users by July 2022.²

In April 2022, the company launched a Rain branded debit card in partnership with card issuing company Marqeta.⁶

In February 2024, the company announced a $300 million credit facility from Clear Haven Capital Management.⁷

As of April 2025, the company reported that it had distributed over $2 billion in earned wages.⁴

Rain operates an earned wage access platform that allows employees to access their wages earlier than on their regular payday, for a fee.⁴ It is promoted as an alternative to payday loans.⁸ The service is free for employers, and is offered as a workplace benefit which integrates with payroll and timekeeping systems.⁹¹⁰¹¹⁴ The company also earns income from card interchange fees paid by merchants when workers spend the wages that have been placed on Rain-branded debit cards.³ The company also offers financial services including financial education and coaching, as well as a free tax filing and refund service.⁴

Rain is headquartered in Santa Monica, California.³ Alex Bradford is the company's CEO.¹ As of February 2024, its clients included McDonald's, Marriott, Hilton, Applebees, and Taco Bell.⁹ In 2025, it was reported that the company was working with 1,200 employers, and its services were being used by 3.5 million workers.³¹¹