Birmingham, Alabama

Overall Rank: 93
Category: Payments
Category Rank: 16


  • Top Fintech Company of 2023
  • Top Fintech Company of 2022


Immediate helps businesses recruit, engage, and retain employees by providing a financial wellness solution that delivers on-demand access to earned wages. Their solution provides employees with on-demand access to their earned wages through integrations with major payroll providers.

Employees utilize their existing time tracking management software, which updates Immediate in real-time of hours worked and wages earned. Earnings can then be efficiently transferred with the click of a button to a bank account or loadable debit card. Immediate allows employees to smooth out the peaks and valleys of a bi-weekly pay cycle by creating more consistent streams of income, breaking cycles of debt, and reducing the need for predatory alternative lending sources.

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Key Products

For Companies : Meet the debt-free solution to unexpected expenses

The financial stress of unexpected expenses is causing employees to be less productive, make more mistakes, and quit work to find opportunities that will pay quicker. Immediate offers a debt-free solution to this issue: employee access to earned pay.

For Employees : Unexpected expenses happen, and when they do, employees shouldn’t have to wait until payday to get the money they’ve earned.

ImmediatePay is an employer-offered benefit created for the unexpected expenses of life. With their app, employees can access the pay they have earned without having to wait for a payday. This gives them the freedom they need when unexpected expenses arise.

Key Executives

Matt Pierce, CEO and Founder

Matt Pierce is the CEO and Founder of Immediate. With nearly two decades of experience in high-growth businesses, Matt has been a key contributor to entrepreneurial ventures, innovative distribution channels, and sales organizations throughout his career.

Matt began his career as an early-stage team member at Greenway, growing into a business development leadership role responsible for 250+ partnerships nationwide. After a Greenway IPO and subsequent acquisition by Vista, Matt moved on to lead sales and business development at Pri-Med Amazing Charts. In addition, Matt has valuable experience at multiple startups developing go-to-market growth strategies, including PatientPop, Looped-in and Tomeah.

As the Founder and CEO of Immediate, Matt is passionate about driving his company forward to improve the lives of working Americans through on-demand access to earned wages. As a BBJ CEO of the Year finalist, Matt keeps his team at the forefront of his success, focusing on multiplying leaders and creating a collaborative, mission-driven culture. Immediate has been recognized as one of Birmingham’s fastest-growing tech companies and was recently nominated as a BBJ Best Places to Work finalist.

As a 5x Forbes contributor and often sought-after speaker, Matt regularly invests his time in mentoring early-stage founders and launched a video series, Business & Brews, to feature burgeoning startups and entrepreneurs across the Southeast.

Pierce first got his start in 2006 as an account executive at Motion Medical. From there, he went on to Greenway Health, before eventually rising to managing director at Looped-in, his most recent position prior to joining Immediate.

Pierce graduated from Auburn University with an MBA and an undergraduate degree in finance.

Jason Gwizdala, CTO and Co-founder

Jason Gwizdala is the CTO and Co-founder of Immediate, which he first joined in 2019.

Previously, Gwizdala was a Vice President of Product Design at Wellcentive, Inc., where he worked for 8 years. Gwizdala spent 6 years at McKesson and McKesson Provider Technologies. Earlier in his career he worked with Bay Medical Center as a pharmacy and telemetry technician.

Gwizdala earned an MBA and an undergraduate degree from Nova Southeastern University.

Michael Orme, COO

Michael Orme is the COO of Immediate. Before joining Immediate, Orme was a principal at Redmont Capital and before that he worked as a credit analyst at Goldman Sachs. Earlier in his career he worked with Frazier & Deeter, LLC as an assurance associate.

Orme graduated from Auburn University with a master’s in accountancy and an undergraduate degree in accounting.

Kirk Elder, CSO

Kirk Elder is the Chief Strategy Officer of Immediate. Kirk Elder is an entrepreneurial healthcare technology executive, who has focused much of his career on transforming healthcare through revolutionary business models (Cloud, APIs, AI, EcoSystems). Kirk is also currently working with Philips as the Global Innovation Leader responsible for Population Health Management and API EcoSystems. In this role, Kirk is responsible for Remote Patient Monitoring, Telehealth, Care Management, Patient Engagement, and Collaborative Virtual Care solutions. Working closely with the Chief Architect, Kirk has led and pioneered Philips’ pivot to Open API based integrations and architectures.

Kirk Elder’s previous full-time position was as the CTO of WellCentive for 6 years. Since 2005, Wellcentive has driven quality improvement, revenue growth, and business transformation for providers, health systems, employers, and payers transitioning to value-based care. Wellcentive was acquired by Philips in 2016. Prior to this, Kirk held senior management and architecture positions at healthcare abstraction and analytics firms and large industry leading SaaS electronic health record companies. Kirk has deep experience in the development of innovative clinical analytics, dictation, speech recognition, natural language processing, BPM, and B2B Solutions.

Kirk is also a board member and founder of various startups and technology initiatives, as well as volunteering and advising for community health programs and outdoor programs and small businesses. He holds a B.S. in Physics with a certificate in Mathematics from Georgia Institute of Technology. During his education he worked in experimental nonlinear dynamics, chaos theory, and quantum mechanics.

Mason Beard, CGO

Mason Beard is the Strategic Growth Officer of Immediate. He first joined the company in 2020 as Chief Strategy Officer. Previously, Beard was a head of marketing and product strategy for the population health management business at Philips and before that he worked as Chief Product Officer at Wellcentive, Inc. Earlier in his career he worked with TIRR The Institute for Rehabilitation and Research as an occupational therapist.

Beard earned a MA in health studies from The University of Alabama and an undergraduate degree in occupational therapy from Concordia University-Wisconsin.

Customer Insights

“I thought Immediate would increase the workload for my payroll team but it has not. We have clients whose employees use this regularly. Employers are not usually aware of situations that their employees may be in with regard to their financial needs.” – Colleen, Director of Payroll


“Since the Visa Direct partnership with Immediate, we’ve received a lot of positive feedback from our employees. Over time, we expect that over 60% of our team will link a qualified debit card in the ImmediatePay app and make use of the integration.” – Anna, Director of Payroll