Get Funding

Need to make payroll but stuck waiting on accounts receivable? Need urgent funding but unable to secure capital through traditional lenders? We can help.

Fast. Friendly. Private.

Payroll Funding Company provides short-term funding to small businesses with urgent needs for payroll, working capital, expansion, and more. We specialize in helping business owners survive and thrive. If your business is facing temporary cash flow challenges, we might be able to help, even if your financials aren’t perfect.





Pay Off Debt

And More!

Minimum Requirements: Annual revenue of at least $800,000 and no bankruptcies.

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.”

Pet Grooming Business

“I really appreciate knowing that I have the support for payroll funding should I need it.”

Security Company

“Thank you for helping me be successful.”

Restaurant Owner

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
Very proficient organization. Company decision makers are easily accessible, and they fully understand the needs of their clients. As such, the company is committed to quick decisions and fast executions.
James Oliva
March 14, 2023

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.


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.


  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.

  • Company Financial Statements
  • Bank Statements
  • Tax Returns

No. Payroll Funding Company will not run credit reports on you or your business.

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.

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.

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!

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.

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.

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

Retreat Center