Payroll Financing
Cover employee payroll when client payments lag. Invoice factoring advances 80–95% of your outstanding invoices within 24 hours — with same-day funding once your account is established.
- Cover weekly/biweekly payroll before client payment
- Bridge payroll during seasonal revenue slowdowns
- Fund payroll for new contract ramp-up costs
Your Team Gets Paid. Period.
Payroll is non-negotiable. Missing payroll — even once — triggers FLSA and state wage law liability, destroys employee trust, and creates turnover that costs far more than the missed payroll itself. Payroll financing exists specifically for businesses caught in the gap between paying their team and collecting from clients.
The most common form is invoice factoring for payroll — you sell your outstanding B2B invoices to a funding company and receive 80–95% of their face value within 24 hours. The funding company collects from your clients, then releases the remaining balance minus their fee (typically 1–5% of invoice value). This is not a loan — it does not add debt to your balance sheet and does not affect your business credit profile.
3 Ways to Finance Payroll
Invoice Factoring (Best for B2B)
Sell unpaid client invoices. Receive 80–95% within 24 hours. Cost: 1–5% of invoice. Same-day once account established. Approval based on CLIENT credit.
Business Line of Credit (Recurring)
Revolving credit up to $250,000. Draw when needed, repay, draw again. Rates from 3.30%. Requires 12+ months in business and good credit.
Working Capital Loan (Emergency)
Lump-sum funding, ~10% APR, daily or weekly repayment. Same-day to 72-hour funding. Works when you have revenue history but no invoices to factor.
Common Uses
Payroll Financing — Frequently Asked Questions
Compare to Other Funding Options
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