My payroll is due tomorrow. Can I be funded by then?

Funding can arrive in as little as 24 hours once everything is in order, but we cannot promise a specific day. Apply as early as you can.

Is a payroll shortfall a reason to be declined?

No single factor decides. FICO 500+ is considered and about three months of bank statements are typically reviewed.

Do I need to show payroll records?

Bank statements show payroll activity. Describe the purpose in your application.

Payroll Shortfall Funding in New York

Is it a timing gap or a profit problem?

The answer decides what to do. A timing gap is a large customer who is paying in ten days when payroll is due tomorrow. A profit problem is a business that has spent more than it earned for several months. Funding suits the first much better than the second. For the second, adding debt can hide the problem for a month and make it worse the next.

Sign	Timing gap	Profit problem
Money owed to you	Substantial and expected soon	Small or not growing
Last six months' result	Roughly break-even or better	Losses each month
Cause	One-off or seasonal event	Costs above sales

What payroll really costs

In 2026 New York's minimum wage is $17 per hour in New York City, on Long Island and in Westchester, and $16 elsewhere in the state, with indexing starting in 2027. Beyond wages, payroll includes employer taxes and insurance. For illustration, a weekly wage bill of $8,000 may be closer to $9,500 or more once everything is counted. Use your payroll provider's total, not the sum of the checks.

What to do in the first hour

Write down the exact amount due and the exact date.
List money that is owed to you and call those customers, since a single payment may solve it.
Check whether any expense can move a few days without penalty.
Decide how much of the gap is a one-time problem.
If outside funding makes sense, prepare about three months of statements and apply.

Never skip or shortchange wages without speaking to an attorney or the state labor department about your obligations. We cannot give legal advice.

An illustration with round numbers

For illustration only: a cleaning company with $12,000 of weekly payroll is waiting on $40,000 from an office client that pays in forty-five days. The shortfall for the next four weeks is $48,000 against whatever it already holds. A request sized to the actual gap, with a cushion, makes sense. A request sized to four months of payroll is a different decision. These numbers are invented and are not our terms.

Prevent the next shortfall

Once the immediate gap is covered, build a small buffer. Many owners aim for at least one full payroll cycle held in a separate account. Review receivables weekly, invoice promptly and follow up the day an invoice becomes late. A little discipline here is cheaper than repeated emergencies.

What we can tell you

We fund $25,000 to $5,000,000, funded in as little as 24 hours. FICO 500+ is considered. We typically review about three months of business bank statements and do not require tax returns. The credit pull is soft, the application takes about five minutes, and sole proprietors can apply. The application page is where to start.

Funding a Payroll Shortfall in New York