Payroll is the one expense that never waits: every week or two, on the dot, no matter when customers pay. A revenue purchase turns payroll from a weekly cliff into a solved problem. And speed is the point: clean file in, decision out, funds moving.
Net-30 clients, slow-paying GCs, insurance remits — the money is earned but not here, and the team is paid either way. Owners cover the gap from personal accounts more often than they admit.
Miss once and your best people start interviewing. Payroll is not an expense line; it is the trust contract the whole business runs on.
Every hire spends payroll months before their work bills and collects. The busier you get, the tighter Friday feels — until the new revenue catches up.
A bank line of credit is the right tool for payroll gaps — if you can get one. New businesses cannot, which is precisely when payroll gaps are most frequent and most dangerous.
The bank's answer is to come back with two years of history. Your payroll calendar does not accept that answer, which is the entire reason revenue purchases exist.
We size the advance to your deposit rhythm and remit weekly — the same cadence as payroll, by design. The purchase settles out of the revenue your team generates, in the same weekly pattern it costs.
Staffing agencies and contractors live here permanently: payroll Friday, client payment in 45. If that is your business model rather than an emergency, read the staffing factoring guide too — receivables-based funding may fit even better. Fast. Fair. Funded. It is not a slogan; it is the operating manual.
A full payroll in reserve, so the slow-paying client stops being a weekly threat.
Fund the new role's first 90 days — the salesperson or tech whose output pays for the seat by month four.
Staff up for the contract you won, with the float to carry wages until the invoices start paying.
Payroll funding describes the use; a revenue purchase is the instrument. You get a lump sum, remit weekly as revenue comes in, and payroll stops being a cliff edge.
Many staffing and contracting businesses run exactly this cycle repeatedly — settle one purchase, renew at better pricing. If the gap is structural, also look at invoice factoring, which advances directly on receivables.
Three months of business bank statements. We read deposit rhythm and balances to size an advance your weekly revenue comfortably carries.
A $15,000, $25,000, or $50,000 revenue purchase — and those are floors, not ceilings. We fund more when the financials support it. Apply in four minutes; decision in 24–72 hours.
