Running a small business is no small feat. One minute you’re covering a shift, the next you’re reviewing invoices, and somewhere in there you’re trying to support your employees and keep everyone happy. And when one of your team members is stressed about money, it often shows up in the workplace—missed shifts, distraction, turnover. You care about your people, but you also have a business to run.
At Paper Trails, we believe the right tools and guidance can turn those headaches into something more manageable, even empowering. That’s why we’re excited to announce that our clients now have access to FinFit, a new solution that supports employee financial wellness. If you’re wondering what that means or how it impacts your team and business, you’re in the right place. In this article, you’ll learn:
- What employee financial wellness is and why it matters
- What FinFit is and how it works
- The benefits this program offers your employees
- How easy it is to offer FinFit through Paper Trails with no cost or extra admin on your end
Let’s dive in.
Why employee financial wellness matters
Studies have shown that millions of Americans live paycheck to paycheck. When a car breaks down or a medical bill hits, there’s often no cushion to fall back on. That stress doesn’t stay at home—it follows your team to work. Financial stress can lead to:
- Absenteeism
- Low productivity
- Burnout
- Higher turnover
- More mistakes
We’ve seen this firsthand across the small businesses we serve. You might be offering fair wages, but without tools and resources to manage their money, your employees are often left scrambling. And as their employer, you’re likely the one they turn to with their worries. That’s where employee financial wellness comes in. A good financial wellness program supports your employees with the tools to manage their money, build savings, and access emergency funds—without having to turn to you for payroll advancement or loans. This helps improve their satisfaction both at home and at work, helping to improve their performance and retention rates.
What Is FinFit?
FinFit is a comprehensive employee financial wellness platform that helps your employees build financial stability, no matter where they’re starting from. Whether they need emergency credit, help repaying debt, or a plan to start saving, FinFit meets them where they are. Finfit thinks of themselves as a “ladder.” Employees can start on the first rung—like accessing emergency credit—and then work their way up by building savings, improving credit, or setting financial goals. It’s practical, flexible, and built for real people dealing with real life.
And as a Paper Trails client, you can offer FinFit to your team at no cost, with no work on your end. It integrates directly through the isolved People Cloud mobile app or myhrstuff.com.
Benefits of FinFit for employee financial wellness
Here are just a few of the ways FinFit supports your team and strengthens your business.
1. Emergency credit when it’s needed most
Life happens, and employees may not always be ready financially. Flat tires, dental emergencies, childcare needs—unexpected costs pop up all the time. With FinFit, employees can access emergency credit with no impact to their credit score just to apply. Funds are available quickly, and repayment is simple and transparent. This helps your team avoid payday loans or late fees, giving them a safer financial lifeline when they need it most.
2. Payroll-deducted savings
Soon, employees will be able to set up automatic savings directly from their paycheck. Even a few dollars per pay period can add up to something meaningful. For many employees, this is the first step in building that emergency fund they’ve never had.
3. Low-interest personal loans
For those looking to consolidate debt or cover larger expenses, FinFit offers personal loans with lower interest rates than most credit cards. This can be a game-changer for employees trying to get out of the paycheck-to-paycheck cycle.
4. Financial coaching
Every employee has access to free one-on-one coaching with certified financial professionals. Whether someone needs help making a budget, understanding debt, or setting up a payment plan, FinFit’s coaches are ready to help. This is personalized advice—something most people don’t get, especially at no cost.
5. Budgeting tools and dashboards
Employees can track spending, set financial goals, and connect their bank accounts to a personalized financial dashboard. Alerts and insights help keep them on track without needing to be a financial expert. There are also calculators to plan for future life events—like buying a car, paying for school, or managing rent.
6. Student loan services
FinFit connects employees with tools and third-party services to help manage student loans. This is especially valuable for younger workers or those returning to school who may be overwhelmed by repayment options.
7. Interactive learning and rewards
FinFit offers educational content, trivia games, and rewards programs that make financial learning engaging. Employees can even earn points that convert into gift cards and prizes. It’s a creative way to encourage financial growth—without making it feel like homework.
8. Mobile access
FinFit is fully accessible through the isolved People Cloud mobile app and the FinFit mobile app, allowing employees to manage everything from their phone. This puts financial control right in their pocket, wherever they are.
How employees use FinFit
Getting started with FinFit is simple:
1. Create an account
Employees log in through isolved People Cloud or myhrstuff.com to access FinFit and create their account.
2. Set a goal
They choose what they want to focus on—saving money, managing debt, getting a loan, or building a budget.
3. Start climbing
Whether it’s accessing funds, talking to a coach, or setting up a savings plan, employees begin where they’re at and grow from there.
It’s intuitive, fast, and gives your team the ability to manage their finances on their own terms.
What employers need to know
As an employer, there is not much downside to offering FinFit to your employees. Here is what employers need to know:
- It’s free for you to offer
- There’s nothing extra for you to manage
- It integrates with isolved in the backend, which you already use
- Support is handled by FinFit’s team—not yours
There’s no risk, no liability, and no disruption to your current payroll or HR workflows. You’re simply giving your employees access to tools that can make a real difference in their lives—and in your workplace. And this is currently active in your portal unless you have told us to deactivate it.
Conclusion
At Paper Trails, we know that small business owners like you are stretched thin. You’re focused on doing the right thing—for your business, your employees, and your customers. That’s why we work so hard to find solutions that take weight off your shoulders. Employee financial wellness isn’t just about money—it’s about people. It’s about creating a workplace where your team feels supported, valued, and stable. With FinFit, you can offer that support in a way that’s practical, easy, and completely cost-free.