Keep your painters paid while draws, retainage and final invoices catch up. Five-minute application, soft pull to start, funding in as little as 24 hours for qualified businesses.
Cover My PayrollPainting Contractor Payroll
Painting jobs pay at sign-off. Wages are due every week. We help bridge the gap with working capital, a line of credit or a merchant cash advance based on your bank deposits.
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.
Apply in about five minutes with roughly three months of bank statements. Funding in as little as 24 hours for qualified businesses.
We weigh your deposits and cash flow, not just a credit score. A rough patch does not end the conversation.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
The schedule is laid out in the offer up front, so you can line it up against your invoice timing.
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.
Your crew gets paid every week. Your customers pay when the job is signed off, when the GC releases a draw, or when a property manager gets around to cutting a check. That gap is the whole problem. A painting company can be booked solid and still be short on a Thursday because three jobs finished and none of them have paid yet.
Labor is usually the biggest line on a painting job, so a delayed invoice hits payroll before it hits anything else. Paint and sundries can sometimes go on a supplier account. Wages cannot wait.
Merchant Fund Express offers working capital for painting contractors, a business line of credit, and a merchant cash advance. Any of them can cover a payroll gap. The right fit depends on whether the shortfall is a one-time timing issue or something that repeats every slow-paying month.
We review about three months of business bank statements. We want to see steady deposits, how your balance moves around payroll days, and what other obligations come out of the account. No tax returns are required, FICO 500+ is considered, and the application takes about five minutes with a soft credit pull to start. Sole proprietors running a crew can apply too.
Payroll funding works best when it bridges money you already earned. Before you apply, list the invoices that are outstanding and when you expect them. If the receivables cover the funding plus its cost, you are bridging a gap. If they do not, the real fix may be pricing or deposit terms, not more capital. Every offer shows the full repayment amount and the schedule before you accept, so you can run that math first. When you are ready, start the application.
Yes, as long as the amount fits within our range starting at $25,000. Many painting contractors use one round of working capital to cover several payroll cycles while a large invoice clears.
Decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses. Sending clean bank statements with the application helps.
No tax returns are required. We mainly look at about three months of business bank statements. Contracts can help explain a deposit pattern, but they are not required to start.
We start with a soft credit pull, which does not affect your score the way a hard inquiry does.
Seasonal swings are normal in painting. We look at the full pattern across your statements, and a line of credit can be a better fit if the dips are predictable.
Example uses for illustration only.
A few habits make payroll gaps smaller and funding easier to qualify for.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding