Boosts Retention And Margins
Smart Advance lets your workforce access a portion of their salary before payday- instantly, through the app.
No paperwork. No waiting.
It's easy to use, and even easier to rely on. That's why it's one of our most loved features.
See for Yourself
Why Clients love it
Improves retention and reliability
Makes Attrition more predictable
Requires zero admin effort
How does it work?
Advance Salary runs smoothly, right through the app.
Set a custom withdrawal limit for your employees
Employees access salary advance via the Smartstaff app
Advance amount is auto-recovered at month-end
A small service fee is applied per withdrawal
That fee is shared — giving you a new revenue stream
Whose Capital? You Choose.
Keep control of margins, retention, and experience — with or without upfront investment.
Your Capital. Your Terms. Your Margins.
With Smartstaff, you can choose to fund Salary Advance directly from your current account — and stay in the driver's seat.
You decide:
- Who's eligible to withdraw
- How much they can access
- What service fee to charge
Funds are transferred instantly- no delays.
Why clients love this:
- 60—70% employee adoption translates to 1.7x higher retention
- You earn margins after capital costs
- You control the entire employee experience
Your capital, your controls, with no compromise on experience.
No Capital?
No Problem. KarmaLife Has You Covered
Smartstaff partners with KarmaLife so you can still offer advance salary — without locking up your funds.
With KarmaLife, employees still get instant advance powered by a short-term loan.
No platform fee. Just a small, transparent interest deducted at month-end.
Same great experience for employees. Zero capital strain for your business.