Am I eligible?
We work with businesses that have:
- At Least 2 Years In Business
- At Least 5 Employees
- At Least 25k Monthly Revenue
Enroll in minutes
What You’ll Need To Apply
Speed up your application process by having these documents ready:
- 6 months of bank statements
- Most recent payroll summary
Transparent Pricing. No Surprises.
How it works
Apply for free
Takes 5 minutes
Get approved
in 2 business days
Request funds
in 4 clicks
Get funded
in 1 business day
Repay & reuse
Your credit is always available
Never miss a pay period
Payro is your backup fund just for payroll. It gives you instant access to funds you can draw on whenever you need.
And it’s free until you use your funds.
Powering payroll for small businesses in every industry
Even if: You’ve been denied credit before. You’re a young business. You’re in growth mode. You don’t have much history. You have no debt. Or a lot of debt.
I wasn’t pulling teeth having to get personal net worth from our owners, or digging up documents and tax returns from previous years.
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Robert Kral | Senior Project Engineer
Carolinas Geotech, Engineering
Since we’re structured as a nonprofit, banks constantly turned us down. When I reached out to Payro, I was expecting another no, and was so…
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Pangda Lee | Principal Officer
United Care Services, Nonprofit
My employees are family — and the responsibility of making payroll would keep me at night. Now I can reliably provide for them during slower…
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Marc N | Franchise owner
Dollar Tree Retail franchise
Took me less than five minutes. It took longer to get PDFs off my own bank website than it did to apply with Payro. And…
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Lance Reynolds | Founder & CEO
Flagstaff Airstream Construction
Very simple — I wish all websites were like that. We just had to send over some documents and everything was processed on the same…
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Vernon Pothemont |
CMS Law Service
Payro offered a simple solution that we could use as much or as little as we wanted with same day funding for an interest rate…
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Travis Smith | Chief Operating Officer
The Senior Company Healthcare
Trusted by payroll companies across the US
Every business needs a safety net for when cash is low.
Make PayroTM yours.
Takes under 5 minutes
Payro’s a lifeline. It’s straightforward, fast, simple and you don’t need a great P&L or balance sheet to get approved. And the rates are very fair.
We doubled our patients since last year, but insurance payments don’t come through until about 8-10 months later. Terms with other banks & middle lenders like Paypal and OnDeck are lousy, and until Payro, we couldn’t get a loan.
Thanks to Payro, we were able to expand our practice and keep up with the demand.
Jeff S. CEO at an OB birthing center
OB birthing center