Get Up to $200k
We specialize in funding small businesses with urgent needs for payroll, equipment, growth and more. Whether you’re waiting on accounts receivable or need extra capital for growth, you can get up to $200k as soon as 24 hours.
Fast. Friendly. Private.
If your business has an annual revenue of $500,000 or more and has never experienced a bankruptcy, we may be able to help you through a tough time, even if your financials aren’t perfect.
Call or text Steve Ott at 609-516-5100.
“When I find myself in a financial pickle, I know I can turn to Payroll Funding Company.”
Molly
Pet Grooming Business
“I really appreciate knowing that I have the support for payroll funding should I need it.”
Jared
Security Company
“Thank you for helping me be successful.”
Bryce
Restaurant Owner

As the investment arm of a family trust, Payroll Funding Company specializes in working with businesses that face cashflow challenges and need short-term capital quickly. We can make fast financial commitments since we are not subject to complex procedures or underwriting like most lenders. This means we don't require collateral and we can wire you the funds at incredible speeds.
Our Process vs Other Lenders

Simple Process
We request a few standard financial reports and have a short discussion with you to learn more about your business. That's it!
Fast Funding
Once approved, you’ll receive the approved funds as soon as 24 hours from the time of your request.
Private
We keep your story private and do not share or sell any information with any third parties.
Personal Service
We will work closely with you to ensure that you’re able to get through the immediate challenge and accelerate toward growth.
No Collateral Required
Unlike most lenders, we don’t require any collateral or personal guarantees in exchange for capital.
No Credit Checks
Don’t have stellar credit? No problem. We don't perform any personal or business credit checks.
FAQ
What is the process to receive funding?
- Submit required financials.
- Conference call with underwriting team to understand company history, strategy, and financial review.
- 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.
What financial records are required?
- Company Financial Statements
- Bank Statements
- Tax Returns
Will Payroll Funding Company run a credit report on me or my business?
No. Payroll Funding Company will not run credit reports on you or your business.
How quickly can I obtain funding?
As soon as we receive the required financial documents and conduct our phone review with you, you can obtain the funds as soon as the same day. Approval, dollar amount, and repayment terms are subject to final credit review and underwriting.
If I need funding for payroll, can I have it wired directly to my PEO?
Yes, if your PEO allows you to do so, wiring funds directly to your PEO on the company’s behalf eliminates transaction processing time so that payroll can be paid on time.
What if I need funding for purposes other than payroll?
Our capital can be used for any reasonable business need – not just payroll. Below are some examples of how clients use our short-term fundings.
- Supplier Discounts
- Marketing Capital
- Expansion Resources
- And more!
How is my funding limit established?
Typically, Payroll Funding will analyze a company’s financial needs and fund an amount anywhere from a recent payroll invoice amount or a multiple thereof.
What are the terms for paying back a term loan?
- Introductory 4% APR for first 5 days ($0.55 per $1,000 borrowed)
- Additional week = 2.14% of funded amount
- Extension of up to 26 additional weeks (6 months) for payback
- No prepayment penalties or hidden fees
Can I obtain additional funding once I have started paying on the first one?
Yes. If the company has had a solid payment history you can have multiple concurrent funding streams up to the established funding limit assigned.
Call or text Steve Ott at 609-516-5100.