Missing payroll isn't like stretching a vendor - it breaks the one promise a business can't break, and your best people quietly start updating resumes the same day. If Friday is in doubt, this is triage: speed first, cost second, structure after everyone's paid.
Fastest to slowest
Before borrowing: call your 3 biggest receivables and offer 2% for payment today, and check if a deposit-heavy customer can prepay against next month. An hour of calls at zero cost has covered many a Friday.
| Option | Speed | Best when |
|---|---|---|
| Same-day revenue advance | 4-24 hrs | Deposits are steady; this is a timing gap |
| Working capital loan | 24-48 hrs | Clean statements; slightly cheaper than same-day |
| Factoring (if B2B invoices exist) | 24-48 hrs setup | Unpaid invoices ARE the money - sell them |
| Equipment-secured quick loan | 2-4 days | You own trucks/machines free and clear |
| Collections blitz + partial deposits | Today | Sometimes 3 phone calls beat a loan |
Never do these two
Payroll tax money is not bridge financing - the IRS's trust fund recovery penalty pierces the business and lands on YOU personally. And don't stack a second advance on an existing one to make payroll; that's the spiral's first step. There are always better options than those two.
60-Second Funding Check
No credit pull. No obligation. Just a straight answer.
What do you need funding for?
Make it the last scare
Recurring payroll pressure is a structure signal: receivables arriving slower than wages (factoring fixes this permanently), seasonal dips without a reserve (a standby credit line, opened in a strong month, costs nothing to hold), or pricing that doesn't carry your labor. Fix the structure once and Friday goes back to being just Friday.
Speed with a straight answer
Tell a Dealerun specialist the real deadline. If funding can beat it, we'll route the fastest fit - and if the smarter move is a receivables fix instead of debt, we'll say that too. Funding in as fast as 24 hours.
Cover Friday, then fix the pattern
Two minutes now - options within hours.
FAQ
Can I get payroll funding with bad credit?+
Yes - same-day revenue-based products price on your deposits, not your score. If revenue flows through your business account consistently, sub-600 approvals are routine. It's expensive money; use it once and fix the structure.
Should I tell employees if payroll might be late?+
If genuine risk exists after exhausting options - yes, before payday, with a firm date. One honest conversation damages trust far less than a surprise bounced deposit. But exhaust the 24-72 hour options first; most 'might miss' Fridays are coverable.
Get a callback from a funding specialist
Real questions, straight answers - no scripts, no pressure.
No credit impact. We never sell your information.
Ready to put this to work?
See what funding your business qualifies for - it takes two minutes and won't affect your credit.