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Never Miss a Pay Cycle
Whether revenue is delayed, a client pays late, or you hit a seasonal dip, payroll funding ensures your team gets paid on time, every time.
Meet Payroll on Time, Every Single Time
Your employees count on you. Late payroll destroys morale, triggers turnover, and can even land you in legal trouble. Payroll funding gives you the capital to pay your team on schedule, no matter what your cash flow looks like this week.
Funding from $10,000 to $5,000,000
Same-day approval, next-day funding
Designed specifically for payroll gaps
What You Need to Qualify
$30,000+
Minimum Monthly Revenue
6+ months
Established Business History
TrustScore 4.4 / 5 on Trustpilot
How much funding do you need?
Drag the slider or type an amount
$
$20K$5M
Only Takes 30 Seconds
Applying is free and won't impact your credit score
Get Payroll Covered in 3 Simple Steps
Tell Us What You Need
Share your payroll amount, pay schedule, and how quickly you need funding. The application takes about 5 minutes.
Review Your Options
Receive multiple funding offers with terms that align to your pay cycles. See the total cost upfront before you commit.
Lock In Your Terms
Choose the option that fits your cash flow. We handle the paperwork so you can focus on your team.
Pay Your People
Funds hit your account fast, typically within 24 hours. Run payroll with confidence and keep operations moving.
Why Business Owners Choose Payroll Funding
Understanding Payroll Funding
Payroll funding is short-term capital designed specifically to help businesses cover employee wages when cash flow falls short. It bridges the gap between when revenue arrives and when your team needs to be paid.
For most businesses, payroll is the single largest recurring expense. When a big client pays late, a seasonal slowdown hits, or rapid growth outpaces revenue, the pressure to make payroll can be overwhelming. Payroll funding removes that pressure so you can focus on running your business instead of scrambling for cash every pay period.
Payroll Funding Details
Our payroll funding products are built for speed and reliability. Business owners use these funds to cover wages, payroll taxes, benefits, and contractor payments when cash flow timing does not align with pay schedules.
Funds can be used for any payroll-related expense including wages, payroll taxes, benefits contributions, and contractor payments.
Loan Amounts
Rates
$10,000 to $5,000,000
Starting at 1% monthly
Terms
Speed
3 to 18 months
24 to 48 hours
Common Payroll Funding Scenarios
Business owners turn to payroll funding to navigate a wide range of cash flow challenges. Here are the situations we see most often.
Seasonal Revenue Dips
Your staff still needs to be paid during slow months. Payroll funding bridges the gap until revenue picks back up.
Late-Paying Clients
When customers pay net 30, 60, or 90, your payroll obligations do not wait. Funding covers the gap between invoicing and collection.
Rapid Hiring and Growth
Landed a big contract? Need to staff up fast? Payroll funding lets you hire now and pay your new team while revenue ramps up.
Tax Season and Benefits
Quarterly payroll taxes and annual benefits renewals can create cash crunches. Dedicated funding smooths out these spikes.
Project-Based Revenue Gaps
Construction, staffing, and service businesses often have gaps between project starts and milestone payments. Payroll funding fills the hole.
Emergency Situations
Equipment failure, natural disaster, or a lost account. When revenue drops unexpectedly, your team still deserves to be paid.
Credit Requirements for Payroll Funding
Payroll funding is available across a range of credit profiles. Lenders focus heavily on your business revenue and payroll history, not just your personal credit score.
Consistent monthly revenue is the top factor
Established payroll history strengthens your application
Time in business demonstrates stability
Industry type and employee count are considered
Good news
Business owners with credit scores from 500 to 800 qualify for payroll funding every day. Strong revenue and a solid payroll track record can offset credit challenges.
Excellent Credit (700+)
Lowest rates, highest amounts, and longest terms available
760Score
Fair Credit (500-699)
Competitive options based on revenue and payroll consistency
502Score
Payroll Funding Industry Insights
25%
of small businesses report payroll as their biggest cash flow challenge. Meeting payroll on time is critical to employee retention and business survival.
(Source: National Small Business Association Survey)
$150K
average payroll funding amount for small to mid-size businesses. Most use funds to cover 1 to 3 pay cycles during cash flow gaps.
(Source: Industry Analysis 2024)
60%
of employees say they would start looking for a new job after just one late paycheck. Reliable payroll is the foundation of employee retention.
(Source: APA Workforce Survey)
Evaluating Payroll Funding
Pros
Meet payroll on time, every time regardless of cash flow
Retain employees and avoid costly turnover
Stay compliant with wage and tax obligations
Repayment terms aligned with your revenue cycles
Fast approval with minimal documentation
Scale funding as your team grows
Cons
Higher cost than traditional bank lines of credit
Shorter repayment periods than long-term loans
Requires consistent business revenue to qualify
Personal guarantee may be required for larger amounts
Compare Payroll Funding to Other Products
| Loan Type | Max Amount | Rates | Speed |
|---|---|---|---|
| Payroll Funding | $10K to $5M | 1% to 4% monthly | 24 to 48 hours |
| Working Capital Loan | $25K to $5M | 1% to 4% monthly | 24 to 48 hours |
| Business Line of Credit | $25K to $5M | 1% to 3% monthly | 1 to 3 days |
| Merchant Cash Advance | $10K to $5M | Factor 1.1 to 1.5 | 1 to 2 days |
| Revenue Based Financing | $10K to $5M | 1% to 6% monthly | 1 to 2 days |
| Invoice Financing | Up to 90% | 1% to 3% monthly | 24 to 48 hours |
Payroll Funding Qualification Requirements
500+
Credit Score
$15K+
Monthly Revenue
6+ months
Time in Business
Apply for Payroll Funding Today
The application takes minutes. Most business owners receive a funding decision the same day so you can make your next payroll with confidence.
Get Payroll Funded NowStep 1: Quick Application
Provide basic information about your business, payroll size, pay schedule, and how much funding you need. Takes about 5 minutes.
Step 2: Upload Statements
Upload your last 3 months of business bank statements. Larger payroll funding requests may require additional documentation.
Step 3: Choose Your Offer
Review funding offers, compare terms and costs, and select the option that aligns with your pay schedule and cash flow.
Alternative Funding Options
Depending on your situation, these products might also help you meet payroll and manage cash flow.
Working Capital Loans
General-purpose capital for any business expense
Learn MoreBusiness Line of Credit
Draw funds as needed, pay interest only on usage
Learn MoreInvoice Financing
Turn unpaid invoices into immediate cash
Learn MoreRevenue Based Financing
Payments that flex with your monthly revenue
Learn MorePayroll Funding by Industry
Specialized payroll funding programs with terms tailored to specific industry pay cycles and staffing needs.
Restaurant Payroll Funding
Cover kitchen and front-of-house staff
View IndustryConstruction Payroll Funding
Pay crews between project milestones
View IndustryHealthcare Payroll Funding
Fund clinical and administrative staff
View IndustryStaffing Agency Payroll Funding
Pay placed employees before client invoices clear
View IndustryFAQs
Payroll Funding Questions
Payroll funding is a specialized form of working capital designed specifically for wage obligations. The underwriting considers your payroll history and employee count, and repayment terms are structured around your pay cycles. Working capital loans are more general-purpose.
Most payroll funding applications are approved the same day, with funds deposited within 24 to 48 hours. If you apply before noon ET, same-day funding may be available for urgent payroll needs.
Yes. Payroll funding covers all payroll-related expenses including gross wages, employer payroll taxes (FICA, FUTA, SUTA), health insurance contributions, retirement plan matches, and contractor payments.
Missing payroll can trigger state labor law violations, IRS penalties for unpaid payroll taxes, employee lawsuits, loss of key staff, and serious damage to company morale. Payroll funding helps you avoid all of these consequences.
Most payroll funding is unsecured, meaning no collateral is required. For larger amounts, a UCC filing or personal guarantee may be requested, but physical assets are rarely needed.
Payroll funding is available for credit scores starting at 500. Strong business revenue and a consistent payroll history can offset lower credit scores.
Repayments are typically structured as fixed daily or weekly ACH debits from your business bank account. This creates predictable payments that align with your revenue flow.
Absolutely. We work with many seasonal businesses. Funding can be structured to align with your busy and slow seasons so payments are manageable year-round.
Payroll funding amounts range from $10,000 to $5,000,000 based on your monthly revenue, payroll size, and overall business health. Most businesses qualify for enough to cover 1 to 3 full pay cycles.
Some lenders report payment history to business credit bureaus. Consistent on-time payments can help build your business credit profile and improve terms on future funding.
Never Miss Payroll Again
Apply in minutes and get the funding you need to pay your team on time. Our advisors are ready to help you find the right payroll solution.
How much funding do you need?
Drag the slider or type an amount
$
$20K$5M
Only Takes 30 Seconds
Applying is free and won't impact your credit score