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“It was painless. Just four clicks.”

I wasn’t pulling teeth having to get personal net worth from our owners, or digging up documents and tax returns from previous years.
Robert Kral Senior Project Engineer

Carolinas Geotech, Engineering

How it works

Your payroll covered in a few clicks
  • Step 1
    Apply for free
    Takes 5 minutes
    • No financial documents
    • No tax returns
    • No P&L reports
    • No balance sheets
    • No personal net worth
    All you need is your 6 most recent bank statements and your tax ID. Done.
    "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 then I got a literally immediate response."
    Lance Reynolds
  • Step 2
    Get approved
    in 2 business days

    Our underwriting team reviews your bank statements and issues you a credit limit — up to $500,000.

    Now you have backup emergency funds available to you for payroll whenever you need it, and there’s no cost until you actually withdraw funds.

    "Since Payro, we never have to tell an employee they’re not going to get a paycheck. It helps us keep our employees happy so we don’t lose them."
    Pangda Lee
  • Step 3
    Request funds
    in 4 clicks

    Log into your account. Enter the amount you’d like, and how many weeks you need the funds for. You can keep the funds for up to 4 weeks (28 days). You’re set!

    Your repayment (loan amount + 1.5% interest/week) will automatically be withdrawn on the payback date you requested.

    Want to repay early? Go ahead and repay online, there’s no early payment penalty.

    "I can request a loan in virtually 60 seconds with a couple clicks after logging in – without a bunch of the hoops it seemed like everyone else wanted us to jump through."
    Michael Torres
  • Step 4
    Get funded
    that same day

    We set up the wire transfer immediately. If you requested funds before 1pm EST on a business day, you’ll get funds in your account that same day.

    Otherwise, it will hit your account on the next business day.

    "I’m impressed at how they underpromise and over deliver. We submitted all of our payroll. It said this will fund within three to four days. An hour later, my office manager called and said, hey, that already funded."
    Jim Sega
  • Step 5
    Get funded again
    as soon as you repay

    As long as you have a credit line with us, your credit limit is always available.

    Immediately after your repayment clears, you can request funds again. And again. And again.

    "I’m impressed at how they underpromise and over deliver. We submitted all of our payroll. It said this will fund within three to four days. An hour later, my office manager called and said, hey, that already funded."
    Jim Sega
Hundreds of happy users

Want to talk to our team first?

Monday to Friday, 9am - 5pm
"The best thing I’ve seen for a payroll solution."

We have a significant amount of money tied up on investments, and this is perfect. 
I didn’t have to wait to speak to someone. Applying was easy, we got funding quickly, and the responsiveness is fantastic. I didn’t have to dig up five years of tax returns, just recent bank statements and some current documents that were easy to get. From when I applied until I got the funding was less than a week.

Arthur Klepper Director of Finance

United Hospice Inc.

Frequently Asked Questions

Got more questions?

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Have funds always available in
your back pocket

At no cost until you use them.
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