On the factory floor, every shift counts, and so does every worker. Yet across the country, manufacturers are feeling the strain of turnover, competition, and financial stress among their teams. Immediate helps bridge that gap. With on-demand access to earned wages, manufacturers can give employees the financial flexibility they deserve while creating a more stable, engaged, and loyal workforce. Because when workers feel secure, production runs smoother and everyone wins.
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The Challenge

Manufacturers across the U.S. face a consistent set of workforce pressures:

• Recruiting and retaining skilled laborers
  Operators often require technical training, safety certifications, or specialized knowledge that takes time and money to replace.
  
  
• High turnover disrupting operations
  Losing even a small portion of skilled staff creates ripple effects in production schedules, quality assurance, and overtime costs.
  
  
• Differentiating in a competitive labor market
  In regions with multiple industrial employers, offering unique benefits beyond base wages is increasingly essential.
  
  
  

Industry context:

• The average annual turnover rate for manufacturing workers is around 40%, one of the highest across major industries. (TWI Institute)
  
  
• More than 78% of manufacturers report voluntary turnover of at least 10% among hourly workers. (Manufacturers Alliance)
  
  
• Replacing a single frontline worker can cost between $10,000 and $40,000, factoring in recruiting, training, and lost productivity. (UKG)
  
  
  

The Immediate Solution

Immediate allows employees to access a portion of their already-earned pay before payday — a direct answer to common manufacturing workforce challenges.

• Recruiting and retaining skilled laborers
  Flexible but controlled access to earned wages helps attract talent by offering financial security from day one, giving manufacturers an edge in a scarce labor market.
  
  
• High turnover disrupting operations
  By reducing financial stress, employees are more likely to stay, cutting down on costly turnover and keeping production schedules stable.
  
  
• Differentiating in a competitive labor market
  Immediate provides a standout benefit beyond hourly wages. With seamless payroll integration, employers can offer a modern perk without adding administrative burden.
  
  

Program features include:

• Flexible but controlled access- Employees transfer wages within program limits.
  
  
• Seamless payroll integration- Withdrawals auto-reconciled each pay cycle.
  
  
• Clear communications- Educational resources and 24/7 in-house support ensure responsible EWA use.
  
  

Immediate positions earned wage access as both a financial wellness tool for employees and a strategic lever for workforce stability.

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Immediate Results in Manufacturing

The Immediate solution has delivered measurable adoption and engagement:

• Enrolled users: 25% of eligible manufacturing employees 
• Total wages accessed in last year: Millions 
• Average transaction size: $134.77

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Hear from Manufacturing laborers: 

“It’s helpful to be able to pull from your next paycheck early in case of emergencies or just in case you're short on a payment that is due before your next check.”

“Sometimes things happen and put you behind on bills. Having access to your earned wages helps you keep things from getting out of hand.”

“It’s a life saver we get paid every two weeks and the money simply doesn’t stretch. Thankful for ImmediatePay.”

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What this means:

• An average of 25% of eligible employees are already enrolled, signaling strong demand for financial flexibility.
  
  
• The $2.39M in transactions represents thousands of moments where employees chose Immediate to manage personal financial needs. Immediate reduces reliance on predatory credit options.
  
  
• The average draw of $135 indicates employees are using EWA for everyday expenses (transportation, utilities, groceries), not overextension. This aligns with our responsible usage guardrails that are flexible to employers.
  
  

Supporting research:

• A Harvard Business School study found that workers using EWA had a lower probability of turnover, showing the connection between financial stability and workforce retention. (HBS Working Paper)
  
  
• Visa research highlights that EWA programs can improve employee financial health, reduce absenteeism, and increase loyalty, ultimately driving bottom-line savings for employers. (Visa White Paper)
  
  

Looking Ahead

By adopting Immediate, this manufacturer has:

• Reduced financial stress across its workforce
  
  
• Improved employee satisfaction and morale
  
  
• Differentiated itself in a highly competitive hiring market
  
  

In industries where specialized skills and workforce stability directly impact production efficiency, benefits like EWA are more than a perk. Immediate is a strategic tool for retention and operational continuity. Give your team the financial flexibility they deserve and see the difference it makes on your production floor.