Even in a strong economy, many Americans live paycheck to paycheck. Forty percent don't have $400 to cover an emergency expense, such as a car repair. And many working-class people turn to payday loans or other costly ways to borrow money. But more companies are stepping in to help their workers with a much cheaper way to get some emergency cash. Startup companies that offer better options for workers are partnering with all kinds of businesses — from giants like Walmart to little fried chicken restaurants. "This is where it all happens; this is kitchen here," says cook Keith Brown as he walks past the ovens and big bowls of flour at Lee's Famous Recipe Chicken in Richmond, Va. He and the crew are gearing up for the lunchtime rush. The restaurant owner, Henry Loving, noticed over the years that many of his workers here were getting burned. Not with fry oil, but by high-cost loans they would get stuck in. "You know, a lot of times the folks that I have working for me are tight on money
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