Payroll is due and cash is short. Decisions move fast, and qualified businesses can be funded in as little as 24 hours.
Apply NowUse of funds: urgent payroll
Most payroll crunches are timing problems: a late customer, a delayed draw, a heavy week. Send about three months of statements and we will move your file quickly.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
A 5-minute application and about three months of statements. No tax returns. As little as 24 hours for qualified businesses.
FICO 500+ is considered. Your deposit history is a big part of our review.
Your offer shows the full repayment amount before you accept, and there are no surprise costs after.
The repayment schedule is in the offer up front, so you can line it up with your pay periods.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
A customer pays late, a large job's draw slips, or a slow week lines up with a big supplier bill. Suddenly payroll is due Friday and the account will not cover it. Your team still needs to be paid on time. Our process is built for this kind of timing: decisions move fast, and qualified businesses can be funded in as little as 24 hours.
Speed depends on how quickly the pieces come together. The fastest files usually have:
If payroll is due tomorrow morning, call your payroll provider about options too. Planning a few days ahead is always safer.
We review steady deposits, existing obligations and the overall trend in your account. FICO scores from 500 are considered, and the first step is a soft credit pull. No tax returns are required. A one-off shortfall caused by a late-paying customer reads very differently from a business that has missed several payrolls.
If the gap comes from timing, such as waiting on receivables, a business line of credit can sit ready for the next squeeze. If it comes from adding staff, see funding for hiring staff. Either way, check that the repayment fits beside future payrolls.
Before you accept, your offer shows the full repayment amount and the repayment schedule. Read it against your next few pay periods. If it is tight, a smaller amount may be the better choice.
Qualified businesses can be funded in as little as 24 hours. Applying early in the week with statements ready gives you the best chance of meeting a Friday payroll.
About three months of business bank statements and the 5-minute application. Tax returns are not required.
A reviewer will see it in your statements. One late payroll tied to a clear cause reads differently from a repeated pattern.
Enough for gross payroll plus employer taxes for the period, and a modest cushion. Avoid requesting more than your deposits can comfortably repay.
The application starts with a soft credit pull, which does not affect your credit score.
Yes. Many owners cover payroll first and use the remainder for a supplier bill or a short cushion. Just make sure the total amount and the repayment schedule still fit comfortably beside your upcoming pay periods.
Example uses for illustration only.
These steps can keep the next payroll from turning into an emergency.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding