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Making pay, pay.

We’ve reinvented pay to boost free cash flow and enable faster salary payments.

Get in touch to find out how much capital you can free up with Pay Asset Finance.

Hello, we're Hi.

With Hi, employees can access their earnings whenever they want, helping businesses enhance staff wellbeing through financial freedom.

This is a completely new employee benefit, enabling businesses to attract and retain the best talent, and increase productivity. 

 

Hi also turns payroll into a new source of capital for businesses. This means that, without adding debt, companies can now access fast, affordable funds to grow or optimise their finances.

OUR PRODUCTS

Hi-Weekly

Improve your employees’ financial wellbeing with access to their pay weekly

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Hi-Anytime

Real-time pay delivered to the employee via a card with a limit in line with their earnings

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Hi-Working Capital

A new stream of free cash flow for employers by deferring their salary payments by 8-12 weeks

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Want to know how much free cash flow we can unlock for your business?

Cash without debt

A new source of capital, that doesn’t add debt to the balance sheet

Free for employees
Social impact

We will never charge employees for access to their earned money

We're committed to creating positive social change and making the world financially stronger

FAQs

All About Hi55 Ventures Ltd

Who are Hi55 Ventures Ltd?


Hi55 Ventures Ltd is a company founded by serial fintech innovator and entrepreneur David Brown, who has over three decades worth of experience and two successful start-ups in enterprise payments founded under his leadership.

David puts social enterprise at the core of everything he does in the world of global finance. Hi55 Ventures was developed from an idea that companies need access to cheaper working capital and employees have a legal right to their own payroll money as soon as they earn it.

To achieve this, Hi55 has created Hi, a privately financed, unique, digital payroll scheme that is about empowering the individual to access what is rightfully theirs, when they need or want it, at the same time as generating working capital for firms, including those looking to recover from the economic effects of Covid-19, and grow.





All About Hi

What is Hi?


Hello, we’re Hi. An innovative FinTech created to help companies unlock fast, affordable working capital and pay employees more flexibly. How do we do it? We’ve created a new type of finance. We call it Pay Asset Finance – a new asset class that makes payroll accessible for everyone.




What does Hi offer business?


For companies, Hi lets them defer payroll by 8-12 weeks and release the capital back into the business. This means we can help companies improve financial liquidity, access a new source of working capital and, with our flexible pay products for employees, we can help businesses attract and retain the best talent.




What makes Hi and its products different?


Hi is the only product to unlock working capital from an employee benefit

As a new source of capital, PAF doesn’t add more debt to the balance sheet

Hi never charges employees to access their earned money




Who pays for Hi?


The employer will be charged for the financing of payroll to access working capital alongside a small monthly charge to the employer per employee, which can form part of a firm’s employee benefit and retention schemes.




Who services, manages and operates Hi?


Hi was created by UK-based fintech Hi55 Ventures and is fully serviced, managed and operated by NTT Data – a global IT service provider delivering technology-enabled services and solutions to clients all over the world – including 85 of the Fortune 100.




What does Hi offer employees?


For employees, Hi’s products mean they can freely access their money and be paid when they want. Gone are the days of the monthly payday – with Hi, employees can access their pay weekly or daily, helping to increase financial freedom, flexibility and wellbeing.





All About Pay Asset Finance

How does Pay Asset Finance work?


Pay Asset Finance helps companies optimise their working capital by deferring payroll for 8-12 weeks, whilst we simultaneously offer employees access to the earned money either weekly, or daily via our unique salary access card.




Who can sign up to use Hi?


Hi is currently available to any company employing over 50 people.




What are the benefits of Pay Asset Finance?


Hi makes pay, pay, by offering a new type of business finance. We help companies unlock affordable working capital and provide an attractive new employee benefit.

Hi makes pay, pay, by giving employees easier and earlier access to the money they’ve earned.




What impact does Hi have on pension contributions and other employee benefits?


All deductions – tax, pensions and other employee benefits – are unaffected. They are paid as normal by both parties.




Will Hi affect a company’s ability to access other lines of credit? Will lenders want to know if a company is using Hi as a sign of financial distress?


A payroll debt (i.e. owed wages) doesn’t appear on a company’s balance sheet, other than a payroll obligation so taking advantage of the scheme should not affect a company’s credit rating.




What payroll systems support Hi?


Our real-time pay calculations are generated from using a 'shadow payroll' system that sits behind your regular payroll, meaning minimal onboarding is required and zero risk to your employee's finances. It also means that whichever system you currently use, you are also able to use Hi.