Funding to Cover Payroll This Week

Payroll is due in a few days and the account is short. Get $10K-$5M in as little as 24 hours to cover wages, taxes, and benefits — approved on your bank deposits, not your credit score.

Payroll is due and the money isn't there yet

You know the exact date. Your people are counting on it. But a big customer paid late, a slow week hit, or three invoices are all sitting in "net 30" at once — and the account won't cover this run. Missing payroll isn't like being late on a vendor bill. It's the fastest way to lose the crew you spent years building, and it's a mess with the IRS on the tax side too.

You don't need a lecture on cash flow. You need the wages, the payroll taxes, and the benefits covered by Friday. That's a specific, fixable problem — and it's one of the most common reasons a healthy business borrows.

How funding for payroll works

This is revenue-based funding, not a bank term loan. We look at what's actually moving through your business — your deposits — not a credit committee's checklist. Three steps:

• Apply online (soft pull). A few minutes. Checking your rate is a soft credit pull, so it won't ding your score. FICO 500+ is fine — we're reading your bank statements, not your credit report.
• Send 3-6 months of business bank statements. That's the real underwriting. Steady deposits get you approved. No tax returns, no collateral for working capital.
• Sign and get funded. Money hits your account in as little as 24 hours — 24 to 72 for most — in time to run payroll.

A real example

A 22-person commercial cleaning company had payroll of about $38,000 due Friday. Their biggest client paid on net-45 and the check was two weeks out. They applied Tuesday morning, sent four months of statements by noon, and had $50,000 in the account Wednesday afternoon — enough to cover the run plus the payroll taxes, with a cushion. Nobody on the crew ever knew there was a problem. When the client's payment landed, they were already caught up.

That's the whole point: your team gets paid on time, and you deal with the timing gap quietly on the back end.

Who qualifies

• In business at least 6 months
• Roughly $10K+ in monthly revenue moving through a business bank account
• FICO 500 or higher (soft pull to check — no score damage)
• Any industry — construction, staffing, restaurants, healthcare, trucking, retail, agencies, all of it

Straight answers

How fast can I actually get the money?

Here's the honest rule: if you apply and get your statements in before early afternoon ET on a weekday, and you sign the same day, funding usually lands that day or the next. Apply Friday afternoon and it's realistically Monday. For a payroll due Friday, don't wait until Thursday night — give yourself Monday or Tuesday.

Can it cover payroll taxes and benefits, not just wages?

Yes. The funding is working capital — you decide how it's used. Gross wages, the employer-side payroll taxes, health benefits, contractor payments. Ask for the full number you need to run payroll clean.

Will checking my rate hurt my credit?

No. Checking is a soft credit pull. It shows us enough to give you a real number without touching your score. Nothing hard happens unless you move forward.

My credit isn't great — am I out?

Probably not. We approve on your bank deposits, not your FICO. 500+ works. If your revenue is steady, a rough credit history usually isn't the dealbreaker it is at a bank.

I need this every couple of months — is that a problem?

If payroll timing keeps catching you out, a revolving option makes more sense than funding it fresh each time. Ask us about a business line of credit you can draw on whenever a run is short and pay back as deposits come in.

Payroll is literally tomorrow. Too late?

Not necessarily. If you apply now and get statements over quickly, same-day funding is possible for approvals that come in early enough on a weekday. The sooner the statements are in, the better the odds.

Don't miss the run

Your crew showing up next week depends on this week's check clearing. Apply now, send your statements, and let's get payroll covered — soft pull to check, no hit to your score, money in as little as 24 hours.