Make payroll on time, every time
When a customer pays late or a slow month hits, your people still need to get paid. A line of credit covers the gap so payday doesn’t keep you up at night.
- Cover payroll while invoices are outstanding
- Draw only what you need for that pay period
- Pay it back as customers pay you
Payroll doesn’t wait for your customers
Most payroll problems aren’t really money problems. The work is done and the invoices are out, but the cash hasn’t landed yet. Meanwhile, Friday is coming.
With a line of credit, you draw enough to cover payroll, then pay it down as those invoices clear. Next time the timing gets tight, the line is there again.
Owners use it to
- Cover payroll while waiting on net-30 or net-60 customers
- Keep a good crew through a slow stretch instead of letting people go
- Handle an extra-large pay period, like overtime on a rush job
- Bring on seasonal staff before the busy season pays for itself
The basics we look for
If your business checks these boxes, it’s worth a few minutes to apply.
We look at how your business is actually doing, mostly through your recent bank statements. Your credit score matters less here than it does at a bank.
- Time in business6 months or more
- Monthly revenue$15,000 or more
- Business bank accountRecent statements
- LocationU.S.-based business
- CollateralNot required
Questions owners ask
Can I use a line of credit just for payroll?
Yes. Payroll is one of the most common reasons owners draw on their line. It’s your working capital to use for the business.
How fast can the money arrive?
Once you’re approved and your agreement is signed, funds can be wired the same day, which helps when payday is close.
What if I only need it a few times a year?
That’s fine. You only draw what you need, when you need it. The line stays available as you pay it down.
Other ways owners use their line
Inventory & Materials
Buy stock and materials before the busy stretch, not after.
Learn more →
Equipment & Repairs
Fix or replace what breaks without draining your account.
Learn more →
Cash Flow Gaps
Cover bills in the weeks between doing the work and getting paid.
Learn more →
New Jobs & Contracts
Front labor and materials so you can say yes to bigger work.
Learn more →
Expansion
Open a second location, remodel, or move into a bigger space.
Learn more →
See what your business qualifies for
Tell us what you need the money for and how much. A funding advisor will follow up with real numbers, usually the same day.