Mutual aid, not lending

When life hits hard, your team has your back

TidePool lets employees pool small contributions into a shared fund anyone can access during a financial hardship. No loans, no debt, no stigma. Just people taking care of each other.

Get Early Access → See How It Works

Financial stress is the #1 silent killer of team culture

When an employee can't cover a $400 emergency, it doesn't just affect them. It shows up as missed shifts, distraction, turnover. The whole team feels it. Employers spend thousands dealing with the fallout, when the real fix costs a fraction of that.

$5,000
Average annual cost per employee from financial stress (Federal Reserve)
47%
of employees would switch jobs for an employer with an emergency fund
How it works

Three steps. No bureaucracy. No bank involved.

01
🏢

Employer sets up the pool

Create your company's TidePool in minutes. Set contribution levels, matching rules, and fund categories. Done.

02
🤝

Employees contribute voluntarily

Team members opt in and contribute small amounts each pay period. Fully voluntary, fully transparent. Employers can match.

03
🛟

Access funds when life happens

Medical bill, car repair, family emergency. Submit a request, get funds fast. No credit checks, no interest, no repayment.

Why TidePool is different

This is not another employee loan dressed up as a benefit

The old way

Earned wage access & employee loans

  • Employees borrow against future paychecks
  • Creates dependency cycles
  • Interest or fees eat into wages
  • Feels like debt, because it is
The TidePool way

Peer-powered mutual aid fund

  • Everyone contributes a little, anyone can access a lot
  • No repayment, no interest, no credit checks
  • Transparent fund tracking builds trust
  • Strengthens team bonds, not financial stress

Your team already looks out for each other. Give them the infrastructure.

TidePool is launching soon. Be among the first employers to build a culture of mutual support.

Request Early Access →