Merritt Business Solutions

Fast, Flexible Business Funding

Merritt Business Solutions has partnered with PFC to provide your business with alternative funding for payroll, equipment, expansion, and more.

What would you do with an extra $15K-$200K today?

Imagine if you had the money to overcome occasional cash flow challenges like slow customer payments, seasonal fluctuations, rapid growth, and more. PFC can help bridge these urgent financial gaps. Since 2003 PFC's mission has been to enable businesses to survive and thrive with fast, flexible funding.

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


Fast. Simple. No Collateral.

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Fast, Friendly Lending Process

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 other businesses trust PFC as their alternative lending partner.

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!
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

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.


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.