Reports & downloads
The nation’s invisible bank – US edition
American employees are paying to work – and the cost is spiraling. In 2019, we exposed a hidden truth: employees were quietly funding their workplaces by covering business expenses from their own pockets. Six years on, this invisible bank is bigger than ever.
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Millions of Americans are acting as interest-free lenders to their employers, with US employees currently fronting a staggering $48 billion in business expenses.
With inflation surging and living costs rising, slow reimbursement systems are leaving more and more employees struggling. The result? Financial stress, disrupted operations, and a workforce stretched too thin.
Download the full report to explore the scale of this workplace cashflow crisis, the impact on employees, and the key to closing the invisible bank, for good.