Revenue Based Financing
Revenue based financing options may provide quick access to capital based on business revenue and future receivables.
Best for: Revenue-generating businesses that need fast capital and have predictable sales
Payroll Funding
Keep Payroll Moving Without Cash Flow Interruptions
Payroll funding can help businesses bridge temporary cash flow gaps and keep teams paid on time.
Overview
Payroll funding is short-term capital used specifically to ensure payroll obligations are met on time. It is commonly used by staffing companies, service businesses, and operations with timing mismatches between customer payments and payroll cycles.
Typical amounts
Sized to payroll obligations
Speed
Setup commonly within 1–2 weeks; advances quickly after
Terms
Short-term, often tied to receivables cycle
Best For
Staffing, service, and operations businesses with timing mismatches in cash flow.
Common Use Cases
- Bridging payroll during long customer payment cycles
- Staffing companies funding contractor payroll
- Growing teams ahead of receivables
Potential Benefits
- Targeted at a specific, recurring obligation
- Helps protect team continuity
- Can be structured as a recurring facility
Things to Consider
- Cost should be measured against payroll cycle savings
- Often paired with factoring or A/R-based structures
How the Process Works
- 1Submit a secure application with basic business details
- 2American Financial Source reviews your profile and identifies eligible products
- 3Connect with a funding specialist to discuss the right structure
- 4Provide any final documentation and complete underwriting
- 5Funds are disbursed once the offer is accepted and finalized
Required Documents
- Business application
- 3–6 months of bank statements
- Payroll register
- A/R aging (if structured against receivables)
Frequently Asked Questions
Related Funding Options
Working Capital
Short- and medium-term capital for inventory, payroll, marketing, supplier payments, and day-to-day operations.
Best for: Businesses managing day-to-day operations or pursuing short-term growth
Apply
Apply for Payroll Funding
Skip the long forms. Open our secure DocuSign application and a funding specialist will follow up within one business day. No cost, no obligation, and inquiring does not affect your credit.
- Secure DocuSign envelope — confidential submission
- Most applications take less than 10 minutes
- Response from a specialist within one business day
Apply with DocuSignCall (516) 373-7622
Prefer to talk first? A specialist can walk through options before anything is submitted.
Ready to Find the Right Funding Option?
Start your application today and let American Financial Source help you explore funding options built around your business goals.