The Smarter Way to Pay Your Employees: How CLEVR Deduct Boosts Financial & Mental Wellbeing (At Zero Cost to Employer):

"What if you could slash financial stress for your team—without costing your business a penny? With CLEVR Deduct, employees gain automatic savings, affordable loans, and emergency cash—all deducted seamlessly from payroll. It’s like a workplace pension, but for everyday financial resilience. And for employers? Happier, more productive teams with zero admin hassle."

Why CLEVR Deduct? The UK’s Financial Stress Crisis

·         67% of UK workers lose productivity due to money worries (Money & Pensions Service).

·         1 in 3 have less than £1,000 in savings (FCA).

·         "When employees juggle payday loans or overdraft fees, their mental health—and your business—suffers. CLEVR Deduct fixes this."

How It Works (Employer Benefits First)

✅ Payroll Integration in 48 Hours

• Works with all major payroll providers (Sage, Xero, etc.).

• Zero cost or admin for employers—we handle everything.

• Only one bank transaction per month.

✅ Employees Get:

• Automated savings (deducted pre-payday, so they never miss the cash).

• Loans up to £1,000 at fraction of the cost of comparable lenders. (no credit check, if they can afford it, they get it).

• Emergency top-ups in minutes (no credit checks).

  
  

"Think of it like a workplace pension—but for today’s financial emergencies, not just retirement."

The CLEVR Deduct Difference

Traditional Loans	CLEVR Deduct
High interest (up to 1,500% APR)	Rates 90% lower than payday lenders
Credit checks stress employees	No checks—approval based on affordability
Employees hide debt	It stays between us (Employer do not have access to specific account details)

"We cut the cost of borrowing and the shame—because financial health shouldn’t be a secret."

Why Employers Love CLEVR Money

• Retention booster: 78% of employees stay longer with financial benefits (PwC).

• No risk: We cover the lending risk—your business never pays.

• Ethical branding: Aligns with ESG goals and mental health initiatives.

• Zero involvement in loans or savings.

Case Study Snapshot

After one year partnering with CLEVR Deduct, an educational firm saw:

• 32% drop in staff borrowing from payday lenders.

• 54% drop in staff asking for advances.

• £200+ monthly savings per employee vs. high-cost credit.

• Zero payroll admin for HR (subject to bank transfer cost).

Are you ready to offer financial resilience as a standard employee benefit?

Email us at: hello@clevr.money or suha@clevr.money

No cost, No obligation. Just happier, more focused teams.