Payroll Financing,
Loans
& Funding

A payroll loan is a short-term business loan used to cover employee wages, salaries, bonuses, commissions, and payroll taxes when cash flow is temporarily insufficient. It's designed for businesses that have reliable revenue but face timing gaps, receivables haven't cleared, a slow period has reduced cash on hand, or a large unexpected expense has strained working capital. The loan bridges the gap so employees are paid on time, every time.

Your business must be operating for at least 6 months, generate $240,000 or more in annual revenue, maintain a business checking account, and have a FICO score of 570 or above. There should be no open bankruptcies and no conflicting existing financing.

After submitting your application and documentation, you can receive an approval decision often the same day, with funds deposited as fast as 24 hours after acceptance. When payroll is due and cash is short, that speed is the difference between paying your team on schedule or not.

Yes. Payroll financing can cover the full cost of payroll: employee wages and salaries, employer payroll taxes (FICA, FUTA, state taxes), bonuses, commissions, contractor payments, and benefits contributions. Any cost directly associated with compensating your workforce can be covered.

Not at all. Many healthy, growing businesses use payroll financing as a cash flow management tool, not a sign of financial distress. Receivables delays, seasonal revenue patterns, rapid hiring, and timing mismatches between revenue and expenses are all normal business realities. Payroll financing resolves the timing gap without affecting business operations or employee confidence.

Yes. Growing businesses often need to hire before their expanded revenue materializes. Payroll financing gives you the capital to bring on new staff, salespeople, technicians, production workers, and cover their wages during the ramp-up period before they contribute fully to revenue.

It depends on your situation. A Small Business Loan provides a lump sum to cover a specific payroll gap. A Revenue Advance repays as a percentage of daily revenue, useful when revenue is variable. A Line of Credit is the most flexible option for recurring payroll gaps, letting you draw and repay repeatedly without reapplying. Your Capital Advisor will help you identify the right structure.

No, payroll financing is entirely back-office. Your employees are paid on schedule through your normal payroll process. They have no visibility into how you funded payroll, and there is no impact on their pay, benefits, or employment status. The only change is that your business has the capital to meet its obligations on time.

Yes. Lenders look at the wage bill you need to cover, not at how each person is classified, so seasonal, temporary and contract staff are treated the same as permanent headcount. What they do look at is whether the season that creates the wages also produces the revenue that repays the facility, which is why last year's figures for the same months are usually the most useful thing you can bring.

On its own, no. Using short-term capital to bridge a timing gap is ordinary business practice and it appears in plenty of files that go on to be approved for larger facilities. What a future lender reads is the pattern rather than the single event: a gap that opened once for a nameable reason and closed reads very differently from the same gap reopening every month, and the second pattern is worth addressing directly rather than refinancing.