Empowering Employees, Strengthening Employers: Introducing UNO CELP

Why Employee Financial Wellness Matters

In today’s competitive business environment, attracting and retaining top talent goes beyond offering competitive salaries. Employees are increasingly looking for employers who care about their overall well-being, including financial health. Without effective support, financial stress can directly impact productivity, engagement, and long-term loyalty.

Organizations are now challenged to create a holistic benefits package that addresses both personal and professional needs. But how do you achieve this without adding extra costs to your company?

The Challenge Employers Face

Employee financial stress is a growing concern. Research shows that when workers struggle with personal finances:

• Productivity decreases.

• Absenteeism increases.

• Retention rates decline.

For employers, this creates a twofold challenge: protecting business performance while ensuring employees feel valued and supported. Traditional lending programs often create more hurdles than solutions, with high interest rates, lengthy application processes, and requirements like collateral or co-makers.

Clearly, a more accessible, transparent, and employee-friendly approach is needed.

The Solution: UNO’s Corporate Employee Loan Program (CELP)

UNO Digital Bank has designed the Corporate Employee Loan Program (CELP) to solve these challenges. This innovative loan solution is built with both employers and employees in mind:

Key Benefits for Employers

• Zero Cost Integration: Strengthen your employee benefits package at no additional cost.

• Stronger Employer Branding: Position your company as one that invests in employee financial wellness.

• Improved Retention: Companies offering financial wellness programs have seen up to a 10% reduction in attrition.

Key Benefits for Employees

• Accessible Loans: No collateral or co-maker needed.

• Simple Requirements: Only an UNO account is required to apply.

• Competitive Rates: Fixed interest rate at just 1.79%, lower than traditional personal loans.

• Fast Processing: Funds are disbursed within 1–2 business days.

• Flexible Repayment: Loan terms from 6 to 36 months with convenient salary deductions.

Beyond Loans: Building Long-Term Value

What makes CELP unique is how it integrates financial wellness with everyday banking. Every employee who avails of the program also gains access to an UNO Savings Account—with features like competitive savings rates, a free debit card, free bill payments, and even free life insurance.

This combination empowers employees to not only access immediate financial support but also build long-term financial resilience.

Why This Matters for Your Business

By offering CELP, employers create a win-win dynamic:

• Employees reduce financial stress through simple, accessible solutions.

• Employers enjoy higher retention, stronger branding, and improved productivity.

The best part? It requires no additional cost or complex setup for your organization.

Ready to Learn More?

The UNO Corporate Employee Loan Program is more than a loan facility—it’s a strategic move to elevate your employee value proposition and future-proof your workforce.

Download now to learn more about how UNO CELP can strengthen your company’s benefits package while giving employees the financial tools they need to succeed.