Getting short-term funding for urgent situations doesn't need to be complicated. Below are some commonly asked questions about working with Payroll Funding Company.

Our capital can be used for any reasonable business need – not just payroll. Some common examples include: marketing, expansion, equipment, supplier discounts, and more.

With financial documents in hand, we will conduct a brief interview with you and your team. Get a decision in minutes, then PFC will wire the funds within hours if you’re approved.

  1. Submit required financials.
  2. Conference call with underwriting team to understand company history, strategy, and financial review.
  3. Decision made by underwriting team for funding. If it’s a good fit, we can execute the funding agreement and disburse funds as quickly as the same business day.

PFC requires a handful of standard business financial documents, including the following:

  • Bank statements
  • Tax returns (last 2-3 years)
  • End of Year P&L and Balance Sheet
  • Payroll invoices from PEO or payroll provider
  • Aging AR

No. PFC will not run credit reports on you or your business.

Yes, if your PEO allows you to do so. Wiring funds directly to your PEO can often eliminate transaction processing time so that your employees can be paid on time.

Typically, PFC will analyze a company’s financial needs and fund an amount anywhere from a recent payroll invoice amount to a multiple thereof.

Yes. If you maintain a solid payment history with PFC you are free to ask for additional funds. We understand that your business will continue to have unexpected turns that require a reliable source of capital - PFC is here to help you grow.

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FAQ Form
Amazing company and excellent customer service
eli biton
February 9, 2024
It never fails to amaze me how fast the turn around is when receiving funding. If supply the required info from our company in a timely manner, we can receive funds within hours. There is no other system or service that we have found that works this fast. The team at Payroll Funding is amazing!!
tim marrs
January 31, 2024
We've partnered with Payroll Funding for years and they have always come through for us!
Jason Mallett
January 25, 2024
Excellent experience! Quick & easy application process. Big lending with a boutique feel. Professional associates that make you feel like family. Thank you Jane Whipple & Payroll Funding Company- You always have my back!
Geiselle Surette
December 8, 2023
Payroll funding is great! We have used them throughout the year this year (2023). Their communication is top notch. Staff is friendly and courteous. When you have some invoices not being paid on time this is a great resource to get you to the finish line. We highly recommend!!
Don Sinn
October 27, 2023
As a business owner I receive calls everyday wanting to lend me short term loans for working capital, equipment and everything in between. As most of the small businesses of America it’s easy to feel desperate at times and you quickly agree to these loans. After that they’re like sharks! With Payroll funding the process was different and the professionalism has been bar none! They truly want to see my business get out from under these type of loans and be debt free. They’re looking out for me but here when I need a little help! Thank you Jane and Brian I would recommend your business to anyone.
WeCare Senior Relocation Services, LLC
October 11, 2023
Everyone at the Payroll Funding Company has been a pleasure to work with. I highly recommend them!
Caryn Pincus
September 11, 2023
Very responsive and pleasant to deal with.
Susan Chandler
September 11, 2023
Great experience. Very small business friendly.
John Cokinos
September 8, 2023
Great people to work with. Quick to respond and very streamlined process.
July 20, 2023


for payroll, growth & more

Running a business in today's world can pose unexpected challenges for payroll management: slow accounts receivable, seasonal fluctuations, rapid growth, and more. PFC can help you bridge the financial gaps in your business.

Simple Process

Unlike traditional lenders, our process is simple and fast. We only require basic business financial reports and conduct a quick phone interview.

Fast Underwriting

We measure our underwriting process in hours, not days or weeks. You'll have an answer the same day we interview.

No Collateral

No collateral and no credit check. Our contracts are simple and clear so you can focus on growing your business.

"Very proficient organization. Decision makers are easily accessible, and they fully understand the needs of their clients."

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