When I Work
“Can a shift-scheduling SaaS become the embedded financial services platform for America's 82 million hourly workers by layering earned wage access, payroll integrations, and financial products on top of its scheduling infrastructure?”
Founded in 2010 as a pure-play scheduling and time-tracking SaaS for shift-based workplaces, When I Work built its core product around employee scheduling, attendance, and team messaging for SMBs. In 2023, the company made a deliberate move into embedded finance with the acquisition of Lean Financial, signaling ambitions to become a broader financial services platform for hourly workers—not just an operational tool. The first embedded finance product to launch was On-Demand Pay (earned wage access), integrated via Clair and accessible directly within the attendance product, targeting the 82 million hourly US workers who struggle with cash flow between pay periods.