Payroll
Making payroll is not optional, so this decision gets made under pressure. It is worth being clear-eyed about which situation you are actually in.
✓ Checking what you qualify for does not affect your credit score.
Funding payroll because a large customer pays on net 60 and your wages fall in week three is a timing problem. That is exactly what short-term funding is for, and it resolves when the invoice clears.
Funding payroll because revenue no longer covers your cost base is a structural problem. Borrowing does not fix it; it adds a payment to a business that already cannot cover its payments. Being honest about which one you are in is the most valuable thing on this page.
More funding will make it worse. The levers that genuinely help are reducing the payment on existing obligations, extending terms, and cutting the cost base. To be precise: refinancing lowers what leaves your account and stretches how long you pay — it does not make existing balances disappear.
| Ask | Why it matters |
|---|---|
| When does the first payment leave? | If it lands before the receivable clears, you have moved the gap, not closed it |
| What is the total repayment in dollars? | The only figure that compares across offers |
| Does this recur next month? | If yes, a line of credit beats repeated one-off funding |
| What does the money buy? | If the answer is only "time", think carefully |
Working capital is not restricted by purpose, so yes — but be clear whether the gap is timing or structural.
A decision typically within 2 to 4 hours on a complete file, funding same or next business day. Bank cut-off times matter.
Possibly. Disclose it up front. If payments are the problem, the honest levers are lowering the payment or extending the term.
Checking what you qualify for does not affect your personal credit score.
Same-day decision. Applying takes a few minutes and will not affect your credit score.
