We help businesses turn their struggling 401 (k) programs around.


  • Reduce early 401 (k) withdrawals
  • Increase employee engagement
  • Increase employee contributions

Regardless of income, financial stress impacts all of us.

More than half (52%) of Americans have tapped into their retirement savings early.

Unexpected Expenses

Debt Burden

Medical Bills

Inability to Retire

Introducing a holistic financial wellness program.

Providing your employees with the necessary tools to better manage their financial well-being.

  Early Pay

Early Pay


    Repay with next paycheck

    No credit required

    For full-time and part-time


  Extra Week's Pay

Extra Week's Pay


    Repay over multiple pay periods

    No credit required

    For full-time employees


  Bee Financial Coach

Bee Financial Coach


    Unlimited access

    Private 1 on 1 sessions

    Available in English and Spanish


I knew it was an additional benefit that we needed to offer. Many of our employees have taken advantage of the program to pay off high-interest credit cards, to keep them out of debt at Christmas and learned how to improve their credit score . A few have had that unexpected expense come up out of the blue and HoneyBee was there to help!

Kathryn G

Senior Director of Human Resources, Pasadena Humane Society & SPCA

What makes us different?

Instant setup with no payroll integration required

Designed to complement existing 401(k) plans

Bilingual customer service team to support all your employees

Certified B Corporation where social impact is our core mission

Employees love HoneyBee.

My car broke down and suddenly I had to come up with funds for repairs. I needed $450 and luckily HoneyBee provided me with the funds the next day!

Adam T, 39

Restaurant Manager

I just want to thank you for this service. I’ve been helping my mom since my dad passed away 5 months ago and it’s been a struggle. Thank you for thinking of your employees.

Suzy F, 28

Hotel Receptionist

I didn’t know much about savings and credit. With the help of my financial counselor, I’ve improved my credit score and started putting money towards retirement!

Jose R, 26

Junior Engineer

Want to take care of your employees? 

Get In Touch


1.800.683.8663 (M-F: 8:30am to 5:30pm PT)

(1) California Residents: Ziero Financial Inc. dba HoneyBee is licensed by the Department of Business Oversight, pursuant to the California Finance Lenders Law, license #6052829. Ziero Financial Inc. dba HoneyBee is compliant with the Equal Credit Opportunity Act. All loans are issued by Ziero Financial Inc. Borrower must be a U.S. citizen, permanent resident or be in the United States on a valid long-term visa and at least 18 years old. Valid bank account and Social Security Number are required. Eligibility is not guaranteed, and requires that lending capital is available to fund your account and that you meet credit and other conditions. 

(2) Arizona Residents: Ziero Financial Inc is licensed by the Arizona Department of Financial Institutions, license #CL-0947964. Ziero Financial Inc. dba HoneyBee is compliant with the Equal Credit Opportunity Act.

(3) Ziero Financial Inc. NMLS Consumer Access #1802856