Klover is a financial technology startup that operates in the payday advance market. Its primary offering is a mobile application that provides users with short-term cash advances of up to $200. This service is designed to help individuals who may need immediate access to funds before their next paycheck arrives. The company's target clientele includes individuals who may be living paycheck to paycheck or those who encounter unexpected expenses.

One of the key differentiators of Klover's business model is its zero-interest policy. Unlike traditional payday lenders who often charge high interest rates and late fees, Klover offers its cash advances with no interest or late fees. This makes the service more affordable and accessible to a wider range of consumers.

Klover's revenue model is not explicitly stated, but it is likely that the company makes money through a subscription model or by charging a small fee for its service. The company's value proposition is its ability to provide instant financial relief to its users, as evidenced by the testimonials on its website.

In summary, Klover is a fintech startup that provides short-term, interest-free cash advances to individuals in need. Its business model is centered around accessibility and affordability, making it a potential disruptor in the payday lending market.

Keywords: Fintech, Payday Advance, Mobile Application, Short-term Loans, Interest-free, No Late Fees, Accessibility, Affordability, Financial Relief, Disruptor.