Trusted nationwide since 2003
Cover payroll now. Breathe easy tomorrow.
When cash flow timing threatens your ability to pay your team, Ready to Fund delivers fast, flexible capital — without the delays of traditional lending.
- Fast approvals
- No collateral required
- Flexible payback terms
- Built for businesses doing $700k+/yr
What is Payroll Funding?
Short-term capital designed for one urgent problem: making payroll.
Payroll Funding is a short-term financing solution that gives your business immediate access to working capital — specifically optimized to cover payroll obligations and other pressing short-term expenses when your cash flow doesn’t line up with your pay schedule.
Unlike traditional bank loans, our process is built for speed and designed around the realities of running an established business. You don’t have to wait weeks or risk missing payroll.
Solution Overview
How It Works
No lengthy applications, no credit checks, no collateral. Just a fast, honest conversation about your business.
Step 1
Contact Us
Call, text, or fill out our simple form. No written application or credit check required to get started.
Step 2
Tell Your Story
We review your key financials and hear about your projects — the full picture, not just a credit score.
Step 3
Get Funding
If we're a fit, we quickly wire capital to your account or directly to your PEO so your team gets paid on time.
Who it’s for
Built for established businesses facing a timing problem, not a business problem.
Payroll Funding is for business owners who have real revenue and a real business — but a cash flow gap that threatens their ability to pay their team on time.
Service Businesses
Companies with employees to pay before client invoices clear — agencies, contractors, professional services firms.
Seasonal Businesses
Operations with revenue peaks and valleys that create payroll timing gaps in slower periods.
Growing Companies
Businesses expanding quickly where incoming revenue lags behind the immediate cost of a growing workforce.
B2B Companies
Businesses with long payment cycles or net-30/60/90 terms that create a mismatch with weekly or bi-weekly payroll.
Qualifications
Do you qualify?
We look at the full picture of your business, not just one number. Here’s what we generally look for.
What we look for
What we don’t require
Trusted by businesses since 2003
Common Questions
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.
Ready to solve your cash flow challenge?
Apply in minutes. Get a decision fast. Keep your business running.
