Let’s get you funded.
Getting access to capital shouldn’t be complicated. Since 2003, we’ve helped businesses like yours stay strong, grow, and keep employees paid on time.
- Same-Day Funding
- Simple Process
- No Collateral
Trusted nationwide since 2003
Reviews mentioning Payroll Funding Company refer to us — we rebranded to Ready to Fund in 2025.
How It Works
You're only a few steps from securing the funding needed to overcome your cash flow challenges. Our process is simple, fast, and confidential.
Step 1
Contact Us
Complete the simple online form on this page. No written application or credit check required.
Step 2
Tell Your Story
We'll have you send us a few basic financial documents and have a quick call to listen to your story.
Step 3
Get Funding
If we're a good fit, we'll disburse capital to you or your PEO within 24hrs of the decision, with no collateral required.
FAQ
Can I use the funds for something other than payroll?
Our capital can be used for any reasonable business need – not just payroll. Many of our clients use the funding for: marketing, expansion, equipment, supplier discounts, and more.
How quickly can my company get funded?
With financial documents in hand, we will conduct a brief interview with you and your team. Get a decision in minutes, then Ready will wire the funds within hours if you’re approved.
What is the process to receive funding?
- Contact Us: Use our simple online form or you can reach us at 347-766-8563 or info@readytofund.com. No credit check and no exhausting application process.
- Tell Your Story: We want to hear your story. To start, we’ll request a few standard financial documents (P&L, bank statements, tax returns, etc.) so we can get a clear picture of your business. After reviewing your documents, we’ll reach out to learn about any specific nuances, answer your questions, and determine if our funding solutions are a good fit for your unique situation.
- Get Funding: If we’re a good fit, we’ll quickly disburse the capital to you or directly to your PEO. Our mission is to help you thrive and focus on what matters most—running your business.
What financial reports are required for underwriting?
We will ask for a few standard business financial documents, including:
- Bank statements
- Tax returns (last 2-3 years)
- End of Year P&L and Balance Sheet
- Payroll invoices from PEO or payroll provider
- Aging AR
Will Ready run a credit report on me or my business?
No. We will not run credit reports on you or your business.
Can I have the funds wired directly to my PEO?
Yes, if you're seeking funding to cover payroll and your PEO allows you to do so. Wiring funds directly to your PEO can often eliminate transaction processing time so that your employees can be paid on time.
How is the funding amount determined?
Typically, Ready will analyze a company’s financial needs and fund an amount anywhere from a recent payroll invoice amount to a multiple thereof.
Can I obtain additional funding once I’ve paid it off?
Yes. If you maintain a solid payment history with Ready you can ask for additional funds. We understand that your business will continue to have unexpected turns that require a reliable source of capital - Ready is here to help you grow.
