When payroll’s due and cash is tight, you don’t have time to research — you need to know your fastest real options, right now.
Your three fastest paths to funding:
- Business line of credit (if you already have one open): same-day to next-day access. If you’ve set this up in advance, this is the fastest money you’ll ever touch — draw only what you need, when you need it.
- Invoice factoring / accounts receivable financing: 24-48 hours. If you’re sitting on unpaid invoices from reliable customers, you can turn that outstanding revenue into cash almost immediately, without taking on new debt against future income.
- Short-term working capital loan through National Business Capital: as fast as 24-72 hours. Built specifically for moments like this — reduced-documentation review means we’re not waiting on the same paperwork a bank would require.
What NOT to do under pressure
Don’t reach for the first offer that lands in your inbox without understanding the repayment terms — a fast “yes” that creates a worse cash crunch next month isn’t actually a solution. Speed and sustainability aren’t opposites; the right option gives you both.
- Speed: We understand payroll doesn’t wait, and we move accordingly.
- Flexibility: Options exist even if this is the first time you’ve needed to look outside your bank.
- Transparency: We’ll walk you through exact terms before you commit — no surprises after you sign.
And every deal we fund contributes to Feeding America — helping feed families while you make sure your team gets paid.
If payroll is this week’s problem, let’s solve it today.