Bridgeover is a unique employee financial wellness program which makes social impact. How do we do it? We allow employees to build their own credit reserve that grants them access to free cash advance in case of need, without putting any of their own funds aside. In parallel, Bridgeover monitors the employee's expenses and provides actionable alerts on predicted low or negative balance, helping improve their financial skills, and teaching them to better manage their expenses. Bridgeover empowers employees with financial security and peace of mind, leading to higher morale and lower stress levels. As an employer-sponsored benefit, our platform significantly improves employee retention and attendance, increases productivity and supports the employer brand. Bridgeover relieves the employer from the hassle of paycheck advances or small-loan plans. We require no connection to employer payroll or other systems and no IT resources, and can be implemented instantly and with no employer liability. Beyond a feel-good perk, Bridgeover is a retention powerhouse and at the same time, it allows employers to stand out in the competitive job market as an Employer of Choice and demonstrate their commitment to employee well-being. Providing Bridgeover says to employees, "We care about your financial future!"