Two very different situations
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.
If it is a timing gap
If it is structural
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.
Before you commit
| 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 |
Common questions
Can I get funding specifically for payroll?
Working capital is not restricted by purpose, so yes — but be clear whether the gap is timing or structural.
How fast can it arrive?
A decision typically within 2 to 4 hours on a complete file, funding same or next business day. Bank cut-off times matter.
I already have an advance. Can I still get help?
Possibly. Disclose it up front. If payments are the problem, the honest levers are lowering the payment or extending the term.
Will this hurt my credit?
Checking what you qualify for does not affect your personal credit score.
See what you qualify for
Same-day decision. Applying takes a few minutes and will not affect your credit score.