Act early in the week
The number one rule with payroll funding: do not wait until Thursday night. We do not promise same-day funding. Decisions move fast, and qualified businesses can be funded in as little as 24 hours. Anything faster depends on your file and your bank. So if you see a gap coming, apply the moment you see it.
For illustration: payroll runs Friday. You spot the shortfall Monday. Applying Monday gives the review, the paperwork and the bank transfer room to land before payday.
How payroll gaps happen to good businesses
- A big customer pays 45 days late instead of 30
- A slow month lands right before a three-paycheck month
- You hired ahead of a new contract that has not started paying
- A surprise tax or insurance bill drained the operating account
None of these mean the business is in trouble. They mean timing is off. Funding exists to fix timing.
What to apply for
Most owners covering payroll pick working capital, a lump sum for operating costs. If payroll gaps keep coming back, a business line of credit means you are not starting from scratch each time. Card-heavy businesses like restaurants and salons sometimes look at a merchant cash advance.
If the real problem is a seasonal dip, read slow-month cash flow funding.
Bank said no? Here is the difference
A bank might take weeks and turn you down over a score. Through our partner Merchant Fund Express, the review starts with your deposits. FICO 500 and up is considered. The process starts with a soft credit pull. You need about three months of business bank statements and no tax returns.
This is built for established businesses doing $60K or more a month. Sole proprietors with employees can apply too.
Your fast-track checklist
- Download three months of business bank statements as PDFs.
- Know your payroll amount and date.
- Fill out the 5-minute application.
- Keep your phone and inbox close for follow-up questions.
Funding ranges from $25,000 to $5,000,000. Apply now to cover payroll.
Frequently asked questions
Can I get payroll money the same day I apply?
We do not promise same-day funding. Qualified businesses can be funded in as little as 24 hours. Applying early in the week gives you the best shot at covering payday.
What is the smallest amount I can get for payroll?
Funding starts at $25,000 and goes up to $5,000,000, depending on your file.
Will my employees know I used funding?
No. Funding goes to your business bank account. How you run payroll stays the same.
My credit took a hit last year. Can I still cover payroll this way?
You can apply. FICO 500 and up is considered, and the review focuses on business revenue and deposits.
Is this a one-time thing or can I set something up for next time?
Both work. A lump sum covers one gap. A business line of credit gives you something to draw on when the next gap shows up.
What documents speed things up?
About three months of business bank statements, ready as PDFs. No tax returns are required.