Smart business starts with smart payroll

Licensed and compliant in all 50 states, PAYRO is a novel loan product designed to help businesses cover payroll whenever cash flow is low.


PAYRO is the only funding option designed for the realities of payroll

We offer cash-flow positive businesses fast, flexible, and most importantly low-cost funding — along with cutting-edge tools and integrations — to ensure they can cover payroll on-time, every time.


We help businesses leverage their capital and grow

With PAYRO as a safety net, businesses are free to invest their cash reserves in business growth and take advantage of opportunities as they arise.

Our vision is simple:

Power a smarter, more business-friendly payroll

  • 2018

    Founded as an alternative to other funding options (MCAs, bank loans, invoice factoring)

  • 2020

    Began integrating directly with payroll providers and HCM platforms.

  • 2021

    Began offering direct-to-consumer funding

  • Future

    Integrating within a wide range of everyday business accounting and HR software (Quickbooks, Freshbooks, etc.)


Our Founder

Morris Reichman

Founder & CEO

Morris Reichman is the founder and CEO of Payro Finance. As former Vice President at Infinity Capital Funding, an alternative finance company, Morris possesses a versatile background in the finance industry. Having spent 7+ years working across global macro operations and startup corporate finance, Morris’s expertise draws on business accounting, risk management and investment analysis.

Morris founded Payro Finance to support business owners and ensure their business continuity.

Meet the team

Michael Shvarzblat

Director of Partner Relations

Ben Cohen

Chief Technology Officer

Allyson Fels

Content Marketing Manager

Meghan See

Commercial Underwriter