Fast Business Funding for


ESI has partnered with PFC to provide funding solutions at lightning speeds.

Capital to Thrive

Operating a business can be full of unexpected financial turns: slow payments, seasonal fluctuations, or even rapid growth. At PFC, our mission is to help you thrive by bridging the financial gaps in your business.

Flex Funding $15K-$200K

Get the funds you need wired to your account as quickly as 24 hours to solve your short-term challenge.

Line of Credit up to $300K

Access a flexible revolving credit line, allowing you to access funds as needed for up to one year.

  • Fast, easy process
  • Simple terms & no hidden fees
  • No credit check
  • No required collateral


Fast. Simple. No Collateral.

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Getting the funds your business needs to survive and thrive doesn't need to be complicated or take weeks. Start the process today and see why so many businesses trust PFC as their partner for short-term business funding.

Funding for Payroll & Beyond

We provide funding for more than payroll, to help your business to survive and thrive. Our clients use our alternative funding solutions for:






and More!
They have helped me and my vet clinics on two separate occasions. They are easy to work with, quick, fair, and decent people. I'm very grateful for them.
Matthew Laxton
July 3, 2024
Payroll Funding: The Backbone of Our Business In the ebb and flow of business, Payroll Funding has been our steadfast anchor, preventing our company from capsizing into financial turmoil. Their business integrity is beyond reproach, and their enduring partnership with us speaks volumes of their dedication. Jane stands out for her exceptional empathy and insight. Her deep understanding of our fiscal needs has been instrumental in ensuring timely payroll, preserving the heartbeat of our enterprise—our employees. Their support has been more than just financial; it has been the lifeline that has allowed us to thrive against all odds. Payroll Funding is not merely a provider but a trusted ally, integral to our company’s narrative of success. We are deeply grateful for their role in our journey and confidently recommend their services to any business in search of a reliable financial partner.
Lynne Dennis
April 11, 2024
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
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!
fat cat 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

PFC has been trusted by small businesses since 2003 to provide fast, flexible funding solutions for urgent needs such as payroll, working capital, and growth. We are ready to help you overcome your temporary cashflow obstacles.

Our Process vs Other Lenders


We request a few standard financial reports and conduct a brief call with you to learn about your business. No written application or complicated hoops to jump through.


Once approved, you'll receive the funds as fast as same-day. We pride ourselves on funding at the speed of now.


The information you provide to us is yours, and that's how we keep it. We don't sell or share your information with third parties.


We work closely with you to ensure that you're able to get through the immediate challenge and accelerate toward growth.

No Collateral

Unlike most lenders, we don't require any collateral or personal guarantees for the capital you borrow from us.

No Credit Check

Don't have stellar credit? No problem. We don't perform any personal or business credit checks for our underwriting process.


  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.

While there is no written application, Payroll Funding Company does require a handful of standard business financial documents. In addition to these documents, we'll want to speak to the business owner(s) in order to look beyond the numbers.

  • Bank Statements
  • Tax Returns (last 3 years, ideal)
  • End of Year P&L and Balance Sheet
  • Aging AR
  • Payroll Invoices from PEO or payroll provider

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, ESI allows PFC to wire funds directly on the company’s behalf to eliminate 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.