Make every day a pay day

Provide your employees with the financial benefits they've earned!
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For employees

Achieve financial freedom. You will be able to stream your earned salary to your account at any time and gain access to much cheaper and ethical financing.

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For employers

Invest in your greatest asset. Make your dream culture a reality by increasing talent acquisition and retainment, as well as employee satisfaction and efficiency.

Get started

Our solutions

Cash advance

Transfer earned salary any day of the month to your bank account in seconds.

Salary deduction loan

Instantaneously access affordable loans on the market from multiple banks competing to offer you the lower percentage financing though the app.

Loan consolidation

Leverage the relation with Employer to consolidate existing loans and radically reduce the monthly cost of debt servicing

Transfer earned salary any day of the month to your bank account in seconds.

Instantaneously access affordable loans on the market from multiple banks competing to offer you the lower percentage financing though the app.

Leverage the relation with Employer to consolidate existing loans and radically reduce the monthly cost of debt servicing

Benefits for Employees

Easy and early access to cash

You can freely choose cash advances and/or loans.

Winning loan price

Levarage data provided by your employer to get best financing possible.

Ethical terms and open door policy

Every employee can get an affordable offer with ethical financing terms.

Great user experience

You can transfer funds from multiple banks with just a few clicks in the app.

Benefits for Employers

Workforce motivation

Increase satisfaction, productivity and retention of your employees.

Employer branding

Be the boss that everyone wants to work for and attract talent.

No hassle integration

Plugs into your current payroll system.

Flexibility

You can choose available financing partners for your employees.

Benefits for Society

Increased Cash Flow

Liberates and liquidates billions of Euros of frozen cash flow immediately each country's economy.

Financial Freedom

Reduces debt and increases the spending power of each individual.

Improved Economic State

Spark economic growth along with ethical and transparent lending for all citizens.

Releasing frozen compensation

£58 billion / month of employees' compensation is withheld until pay day.

£ already frozen this month*

that we can release without any cost for employers

* average monthy pay * number of employees in UK *monthly wage frequency. Source: Office of National Statistics

How it works

The innovative Symmetrical Platform enables early paydays and the best possible price of credit for employees

Employer provides great benefits of financial freedom to their employees by enabling flexible pay days and cheaper financing. Symmetrical’s API platform automatically deducts cash advancements, tracks loan status and absorbs risk

Financial Institutions partner with Symmetrical to provide affordable and ethical lending. Lower customer acquisition costs and increased competition drives down the price of credit for the end customer

Why Us

Disruptive real-time bidding technology for the most ethical financial instruments on the market

Symmetrical

Symmetrical platform connects multiple Banks and Lending Companies digitally with Emloyees. Lower customer aquisition costs and increased competition gets them the best price available on the market, our profit does not depend on the terms of the agreement.

Other providers

Most of Salary Finance providers also operate as Money Lenders and their financial gain is dependant on higher costs of capital.

Symmetrical

We require our partners to offer ethical financial products and as a trusted third party guarantee to ensure the best employee experience.

Other providers

Most of Salary Finance providers face a conflict of interest, in case of employee default they need to collect the debt to protect its profits.

Symmetrical

By integrating multiple financial institutions, we enable all of your employees to receive fair terms for the cheapest funding.

Other providers

Most of Salary Finance providers can not provide financing at fair terms to everyone because they use their own capital. This increases risk and financial constraints.

FAQ

Who are we?

Symmetrical.ai is a Polish-British company operating in the fintech-as-a-service model, which runs a platform for providing simple and convenient financing that associates those in need with the financial institutions that offer it. In Poland, we operate as Symmetrical Labs sp. z o.o. and offer an advance payment service for salary in addition. A list of institutions cooperating with us and our full address details can be found here [link]

Who can use Symmetrical app?

The application is intended for employees, associates and contractors of companies that have concluded an appropriate agreement with Symmetrical Labs.

What is cash advance?

The cash advance is not a credit product. It is a simple payment of part of the salary before the final payment date resulting from the contract or regulations. Our system allows you to determine how much you have “earned” your salary at a given moment and thanks to that you can access it earlier. You do not take out a loan, you do not appear in the BIK database – simply your employer transfers the part of your salary earlier through us, at the end of the month you receive the rest at the normal paycheck.

What if I change/lose my job?

Your last salary will be reduced by the amount of cash advances in the last month of work, and then the possibility of accessing new advances will be deactivated.

What is the cost of cash advance?

For handling the entire process, including providing a system that enables the cash advance payment, Symmetrical Labs charges a commission on every cash advance transfer. The amount of the commission is always presented when submitting the order.

What is a personal loan?

Symmetrical Labs, along with advance payment services, is also a loan broker. Through us, you can take out a cash loan at a bank or loan institution. This is a normal financial product such as you can enlist, for example, at a bank branch. However, thanks to our system, the process of applying and concluding the contract is completely on-line. Additionally, thanks to the authorization contained in the framework agreement concluded with Symmetrical Labs, the loan installment is deducted directly from your salary – so you do not have to remember to repay the loan.

What is the process of loan payment?

The basic assumption of loans granted via Symmetrical is that subsequent installments are deducted from your salary without your participation – based on the authorization contained in the framework agreement. In the event of cancellation of the authorization or termination of the work contract, the installments must be paid independently in accordance with the loan agreement (on the account indicated therein and on the dates indicated therein).

What data and for what purpose are we processing?

All information about the processing of personal data can be found on symetrical.ai/gdpr

Who is the Data Protection Officer in Symmetrical?

Data protection officer in Symmetrical group is Bartosz Kapuściński, you can contact him by e-mail (gdpr@symmetrical.ai), using the help form in the application or by a mail to Symmetrical address.

Where can I submit a request related to my data?

All submissions can be sent via e-mail (gdpr@symmetrical.ai), using the help form in the application or by post to Symmetrical (Rozbrat 6/18, 00-451 Warsaw).

Ready to get started?