Dave's financial platform — built for the people banks leave behind.
dave.
Partnership Overview · 2025
Executive Summary
"We're not another banking app."
$554M
FY 2025 Revenue · 60% YoY Growth
11M+
Members · 6M+ ExtraCash recipients
$2.2B
ExtraCash Originations · Q4 2025
$19
Customer Acquisition Cost · Industry-leading
Dave exists to level the financial playing field — giving everyday Americans access to tools once reserved for the privileged.
78M
The Problem
"78 million Americans live paycheck to paycheck."
$35B+in overdraft fees charged by banks annually
45%of Americans can't cover a $400 emergency expense
1 in 4Americans is unbanked or underbanked
Our Members
"Built for the everyday American."
The Gig Worker
Lives on variable income. Needs flexible access to cash between gigs.
The New Graduate
Building credit from scratch. No safety net, high ambition.
The Working Family
One unexpected bill away from overdraft. Every dollar counts.
Avg. age: 34Avg. income: $45K/yr72% have been hit with overdraft fees
Product Suite
"One app. Everything they need."
ExtraCash™
Up to $500, no interest, no credit check. Avg approval in <5 min.
Dave Checking
No minimums, no overdraft fees, 40K+ fee-free ATMs, early paycheck (2 days early).
Goals Account
Auto-savings via Round Ups. Set it. Forget it. Build it.
Dave Card
Debit Mastercard. Spend anywhere. Earn cashback.
dave⚙
Available Balance
$342.18
ExtraCash™
$180 avail.
Get ExtraCash
Take surveys
Earn cash to your account
dave⚙
ExtraCash™
Available
$500
in 5 min or less
No credit check No interest No late fees
Get $500 now
ExtraCash available
$0$500
dave🏦
Goals
✈ Hawaiian Vacation
$1,200 · Goal: $3,000
🚗 New Car Fund
$840 · Goal: $5,000
+ New Goal
ExtraCash™
"The product that changed the game."
Advance Amount$25 – $500
Approval TimeUnder 5 min
InterestNone
Credit CheckNone
Monthly Fee$1 or $5/mo
Origination Fee$5 or 5% (max $15)
6M+
members helped
$2.2B
originated in 2025
$180
average advance
vs. Traditional Overdraft
Dave ExtraCash
$5 max fee
Bank Overdraft
$35 avg fee
Traction
"The numbers don't lie."
$0M
FY 2025 Revenue
0%
YoY Revenue Growth
$0M
Adjusted EBITDA 2025
0%
EBITDA Growth YoY
$0B
ExtraCash Originated
0%
Stock Gain in 2024
FY 2025 financials. DAVE is publicly traded on NASDAQ (DAVE).
Business Model
"Simple, transparent, aligned with members."
01
Membership Fees
$1–$5/month per member
02
Processing Fees
5% origination on ExtraCash
03
Interchange
Earn on every Dave Card swipe
04
Banking Services
Premium features & upgrades
$19
Customer Acquisition Cost
$300+
Lifetime Value
15x
LTV / CAC Ratio
<3mo
CAC Payback Period
"Partner with Dave."
Bring financial wellness to your audience.
Partnership Models
Employer Benefits
Offer Dave as an employee financial wellness benefit. Reduce financial stress, improve retention.
→
White-Label Banking
Launch your own branded banking product on Dave's infrastructure. Fast. Compliant. Proven.
→
API Integration
Embed ExtraCash or Dave Checking into your existing app or platform.
→
Why Dave
"Built to scale. Proven in market."
🏗
Infrastructure
FDIC insured, SOC 2 compliant, 99.9% uptime SLA. Enterprise-grade from day one.
⚡
Speed
Live in 60 days. Pre-built compliance, APIs, and dedicated onboarding support.
📊
Data
11M member dataset. Rich behavioral and financial insights to power your product.
🤝
Alignment
We succeed when your members succeed. Revenue share model — fully aligned incentives.
Powered byMastercard·Evolve Bank & Trust·MoneyPass
Case Study
Employer partnership: 40% reduction in financial stress leave.
A mid-market logistics company (2,200 employees) deployed Dave as an employee benefit in Q2 2024. The program was fully funded by Dave — zero cost to the employer — and offered to all salaried and hourly workers.
40%drop in financial stress-related absenteeism
3.1xincrease in employee financial satisfaction score
$0cost to employer (Dave-funded benefit)
89%employee opt-in rate within 30 days
"We saw results in 60 days. Our team felt financially supported for the first time." — HR Director (anonymous)
How We Work Together
"From signed to live in 60 days."
Week 1–2
Discovery
Align on use case, audience, and integration scope.
Week 3–4
Setup
API keys, branding kit, compliance review.
Week 5–6
Testing
UAT, member journey walkthrough, full QA pass.
Week 7–8
Launch
Go live, onboarding support, success dashboard.
Dedicated support model: Every partner gets a dedicated Customer Success Manager + 24/7 technical support from day one.
Pricing
"Flexible models. Built around your goals."
Starter
Starter
API access, up to 10K members, revenue share model. Ideal for pilot programs and small credit unions.
Contact for Pricing
Growth
Growth
White-label + API, up to 100K members, dedicated CSM. Best for regional banks and mid-size employers.
Contact for Pricing
Enterprise
Enterprise
Full white-label, unlimited members, SLA guarantee, custom integrations. National banks & platforms.
Custom
Ready to partner
"Let's build something that matters."
Financial wellness for every member. Revenue growth for every partner.