CLEVELAND, OH (8/24/20) – Benefit Advisors Network (BAN), a national network of independent employee benefit firms, is pleased to announce that it has created a strategic partnership with Rain, whose mission is to improve financial wellness and increase worker productivity by giving employees full control over their income, putting an end to predatory financial products and practices.

Under the terms of the new partnership, BAN’s 120+ member firms nationwide can provide the Rain Instant Pay App, which provides early wage access for employees at mid- to large-sized organizations across the United States.

“According to a study by CareerBuilder, 78% of Americans live paycheck to paycheck,” says Taylor Constantine, the head of Rain’s Partner Program. “As a result, financial wellness tools are becoming a vitally important part of any employee benefits package. Such tools not only help an organization’s employees during tough times but also lead to increased productivity.”

Continues Constantine, “Particularly at a time when the American workforce needs solutions like earned wage access, we are excited to partner with Benefit Advisors Network as we begin the process of working with multiple member agencies. We look forward to being a part of the Benefit Advisors Network organization as a long-term partner.”

The Rain Instant Pay app allows employees to withdraw advances against their upcoming paychecks. The capital is provided by Rain, which is then reimbursed according to the employer’s pay schedule.

“This is not a loan and there is no interest,” Constantine explains. “Employees simply pay a small fee for the service, which is significantly healthier than taking a payday loan.”

Other benefits of the Rain Instant Pay App include the following: 

  • There is no change in cash flow;
  • The App works with current payroll and timekeeping software;
  • There is no cost for businesses to implement the App;
  • Regular use results in reduced employee turnover and increased job applications;
  • Employers realize improved job performance and pick up more shifts;
  • App usage leads to a reduction in no-call no-shows.

Over the next few months, Rain will also launch a new pay card program that can be used to replace the employer’s current pay card programs or provide a pay card solution for those who do not currently have one.

“Adding Rain to our Partner relationships strengthens BAN’s Lead2Health resources available for our member’s clients. When an employee has money problems, they can endure ongoing stress, which impacts their health and in turn, the workplace. A corporate philosophy that includes the financial wellbeing of its workforce translates into an efficiently operating business. RAIN provides such support to an employer’s holistic wellbeing culture,” says Bobbi Kloss, BAN’s Director of Human Capital Management Services.

“Our industry is highly competitive and changes almost daily,” says Perry Braun, Executive Director of the Benefit Advisors Network. “As a result, it is critical that we continue to provide our member firms with the necessary tools, such as the Rain Instant Pay App, to further enhance the value they bring to their employer clients while also accelerating their individual firm’s growth.”

About BAN

Founded in 2002, BAN is an exclusive, premier, national network of independent, employee benefits brokerage and consulting companies. BAN delivers industry-leading tools, technology, and expertise to member firms so that they can deliver optimum results to their employee benefits customers. BAN intentionally limits membership because of the highly collaborative interactions. For more information, visit the Company’s website at

About Rain

The Rain Instant Pay app provides early wage access for employees at mid to large-sized organizations across the United States to improve financial wellness and increase employee productivity. Rain’s mission is to regrow financial freedom by giving people full control over their income and to put an end to predatory financial products, replacing them with on-demand pay. Find out more at, LinkedIn, Facebook, Twitter, Instagram, and YouTube.