Invoices are earned, but not collected.
Construction retainage, insurance reimbursement and commercial payment terms can push cash days or weeks past payday.
Revenue exists. Liquidity is delayed.Payroll financing
Make payroll.
Keep momentum.
When customers pay later but your team gets paid now, ScaleKit helps you explore financing paths built around the timing gap.
Take 2 min to check your eligibility.
Loan amountup to $10 million
Time to fundas soon as 24 hours
Loan termsup to 1 year
The payroll pressure map
The gap is not always caused by weak revenue.
Strong businesses can still experience a payroll squeeze when money arrives on a different schedule than labor, materials and obligations.
Payroll expands before revenue catches up.
New crews, clinicians, technicians or project staff need to be paid before their work produces cash.
One disruption hits the reserve.
Weather, equipment failure, delayed approvals or a large customer can compress the operating buffer overnight.
Growth makes the calendar tighter.
Winning more work can increase payroll, materials and overhead before collections scale with it.
Industry playbooks
Different industries. Different payroll realities.
The right financing conversation starts with the operating model, not a generic application label.
ConstructionRetention • Milestones • Crews
Finance the crew while the project catches up.
Progress billing, retainage and material purchases can leave contractors carrying labor long before cash reaches the account.
Build a construction profile
MedicalReimbursement • Staff • Expansion
Keep care teams paid through reimbursement cycles.
Medical practices may need to cover clinical payroll, supplies and expansion costs while payer timing remains outside their control.
Build a medical profile
ServicesProjects • Approvals • Receivables
Keep delivery teams moving between invoices.
Agencies, field services and professional firms can face a gap between completed work, customer approval and payment.
Build a services profileThe payroll cycle
A three-part plan for protecting the operation.
The goal is simple: identify the gap before payday, protect the team when payroll runs, then use the next cash event to restore liquidity.
Before payday
Map payroll, deposits, receivables and the exact timing gap. Request only the amount needed to keep the operating calendar intact.
Plan the requestOn payday
Keep employees, vendors and project obligations moving without forcing the business to pause work or drain every reserve dollar.
Protect continuityAfter collections
Match repayment to the cash event that closes the gap, then rebuild the operating reserve for the next payroll cycle.
Restore liquidityOperating reserve / illustrative
Payroll dateReceivable date
Underwriting clarity
Financing should support the operation—not mask it.
Providers may look at deposits, payroll obligations, receivables timing, existing debt and operating history. A clear request shows how the business returns to normal cash flow.
01 / Protect team continuity02 / Preserve operating reserves03 / Match repayment to revenue timing
Prepare before you apply
Give the financing team the full cash-flow picture.
Missing information slows review. A complete package helps the provider understand why the gap exists and how it closes.
Start the application01Recent business bank statementsShows deposits, payroll pattern and available liquidity.
02Payroll or staffing summaryClarifies the amount and date the business needs to cover.
03Receivables or project scheduleShows the event expected to restore cash flow.
04Existing obligationsHelps the provider evaluate repayment capacity.
Example contractorConstruction operator
Illustrative case studyIllustrative example only. Results, approval and terms vary by provider.
Construction payroll bridge
Four crews working. One invoice still waiting.
A contractor had payroll due before a progress payment cleared. The funding conversation centered on the project schedule, expected receivable and the smallest amount needed to keep crews moving.
NeedPayroll timing gap
FocusProject receivable
OutcomeContinuity plan
Estimate your range
How much payroll capital could you qualify for?
Use high-level inputs for an illustrative range. This is not a pre-approval or financing offer.
Illustrative funding range$50,000+
Check my options This estimate is informational only—not a pre-approval or offer. Final terms depend on lender underwriting, documentation and product fit.
Payroll financing FAQs
Clarity before the next payroll run.
Know what to prepare and what providers may evaluate.
What is payroll financing?+
Payroll financing refers to business financing used to cover employee payroll during a temporary cash-flow timing gap. It is not a guarantee of approval.
Can startups apply?+
Eligibility varies. Providers may require operating history, revenue, deposits and documentation. A business with no revenue may not fit standard payroll-financing routes.
How quickly can payroll funding happen?+
Some products may fund quickly after final approval and completion of provider requirements. Timing depends on the lender, product and applicant profile.
What information will providers review?+
Providers may review payroll amount, revenue, deposits, time in business, credit profile, existing obligations and the reason for the timing gap.
Is payroll financing a long-term solution?+
It can address a defined timing gap, but it should not replace a sustainable operating plan. Providers make the final underwriting decision and terms vary.
Protect operating momentum
Explore financing paths for your next payroll cycle.
Check my options Terms and eligibility vary by provider.