Same-day payroll funding, sized for a growing team

Why payroll gets tight in growing companies

Payroll pressure is often a growth signal, not a failure signal. You hired four people for a new contract, the work is done, and the client pays net 45. Or you opened a second location and the first month of wages lands before the first month of sales. The business is healthy. The calendar is the problem.

Through our partner Merchant Fund Express, established businesses doing $60K or more a month can apply for funding from $25,000 to $5,000,000 to keep pay runs on time.

About the same-day search

We know people search for same day funding for payroll when a pay date is close. Here is the honest version: decisions move fast, and qualified businesses can be funded in as little as 24 hours. Anything faster depends on the file and on how quickly your bank posts the incoming funds. We do not promise same-day deposits. The best protection is to apply as soon as you see the gap coming, ideally several days before the pay date.

Map the gap, for illustration

For illustration only. The business ends the month positive but is short on the 15th. That mid-month gap is exactly what short-term payroll funding is meant to cover.

Which structure fits payroll

• Working capital for a single, defined shortfall tied to a known incoming payment.
• Business line of credit if payroll gaps repeat every cycle as you scale headcount.
• Merchant cash advance if your revenue is card-heavy and you want repayment to follow sales.

Prepare before the pay date

1. Download your last three months of business bank statements.
2. Confirm your business name and address match your bank records.
3. Calculate the exact shortfall plus a small cushion.
4. Complete the 5-minute application, which starts with a soft credit pull.

No tax returns are required. FICO 500+ is considered, and sole proprietors can apply.

Building a buffer for next time

Funding solves this month. A cash buffer solves the pattern. Once revenue catches up, many owners set aside a share of each large client payment until they hold one full payroll in reserve. If slow stretches are the driver, see slow month cash flow funding; if a big contract caused the jump in headcount, see funding for big contracts.