Have you checked Kiva.org and related organizations? They are asking for recommendations for small loans now, to help deal with Covid-19.
It would help if you indicate which country you are from
If the employer already has access to the employee bank account (e.g. to pay salary) then do they need your service?
I imagine lending is highly regulated in most jurisdictions, and has a high barrier to entry. If you share your location, someone might have more accurate information.