EMPLOYEE STABILITY IS BUSINESS STABILITY.

Durable, Sustainable, Private-Sector Solutions

The Rhino Foods Foundation is an advocate for financial stability.

Born in a business environment, the Rhino Foods Foundation recognizes the link between employee wellbeing and business success.

Our mission is to spread innovative workplace practices that champion employee financial stability and make good business sense.

Income Advance

Income Advance provides employees with easy access to an emergency loan when they encounter unexpected difficulties, helps build their credit, and encourages savings for the long-term.

Employee Exchange

Avoid seasonal layoffs, retain well-trained staff, and increase morale through the coordinated exchange of employees between companies with opposing seasonal business cycles.

Opportunity Employment

Make a job more than a job, make it an opportunity by removing barriers to employment while committing to providing benefits to help navigate past obstacles to stability like a Resource Coordinator and a Recovery Coach.

Everything you need to get started.

Effectively share your new program internally.

Understand your employees’ needs

Best practice in action
News & Stories
Access to credit: How the Income Advance Program stacks up
Access to credit: How the Income Advance Program stacks up

In this blog, we will take a deeper dive into comparing Income Advance to other avenues for accessing cash to address an immediate expense. Our goal here is  to show how Income Advance is a non predatory, safe, and accessible solution for employees experiencing financial stress, to ultimately turn into financial empowerment for employees. 

Income Advance: The Gold Standard Employer Sponsored Small Dollar Loan Program
Income Advance: The Gold Standard Employer Sponsored Small Dollar Loan Program

Income Advance offers employees quick access to small dollar loans, directly from a bank or credit union. Rather than running a credit check, the key data point used to underwrite Income Advance loans is the borrower’s stable employment – because of this criterion, the loans are often referred to as Employer Sponsored Small Dollar Loans (ESSDL). But not all ESSDLs are created equal.  

So what is the “Gold Standard” Income Advance program the RFF advocates for?

Income Advance Reaches 100+ Vermont Businesses: The Demand for Financial Wellness Programs at Work
Income Advance Reaches 100+ Vermont Businesses: The Demand for Financial Wellness Programs at Work

Since its inception in 2007, the Income Advance program has demonstrated remarkable growth and impact. With 100 businesses in Vermont participating, over $2 million in loans distributed in 2023 alone, and more than 1,400 Vermont workers benefiting, the program's success underscores its importance.