Finance question
Can I get funding to make payroll?
Often yes. When invoices are out but the cash has not landed, a short-term cashflow facility can cover a payroll run so wages go out on time. It is usually built around your incoming receipts or secured by an asset, then repaid as the money comes in.
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The short answer
Cover this week's wages without missing a beat
Payroll does not wait. When invoices are out but the cash has not landed, a short-term cashflow facility can bridge the gap so your team is paid on the day they expect it. The finance is timed to your business, drawn when you need it and repaid as your receipts come in.
The structure depends on what you can lean on. Some payroll funding is built around your outstanding invoices or steady incoming revenue, while other deals are secured against an asset or property you already hold. A broker looks across 40+ lenders to find the shape that fits your cash cycle rather than forcing one product on you.
Speed is the point. Missing wages damages trust and morale far more than the cost of a short bridge. We package the request quickly and put it in front of the lender most likely to move fast, so the money is there when payroll is due, not a week later.
Do you qualify?
What makes a payroll bridge fundable.
Incoming revenue
Invoices or receipts the facility can be repaid from.
An active ABN
Sole traders and companies both qualify.
A clear short-term gap
A timing shortfall, not a structural loss.
Security can help
An asset or property can widen and cheapen the options.
Why a short bridge beats missing payroll
Timing, not trouble
Most payroll gaps are timing. Finance smooths the space between work done and cash received.
Priced for the term
Short facilities are sized to a short need, so you are not carrying long debt for a one-week gap.
Repaid as cash lands
Repayment can track your incoming receipts rather than a rigid schedule.
A real example
A trades business wins a big contract but the client pays on 45-day terms, leaving a fortnight where wages fall due before the invoice clears. A short cashflow facility covers two payroll runs and is repaid the day the client settles. Illustrative only.
Common questions
Frequently asked questions
How fast can payroll funding be arranged?
Often quickly, especially when the request is packaged well and there is an asset or clear receipts behind it. It is subject to lender assessment.
Do I need to be profitable to qualify?
You need a viable business with a clear timing gap rather than a structural loss. Incoming revenue or security helps the case.
How is a payroll bridge repaid?
Usually as your receipts come in, so the repayment tracks the cash you are waiting on rather than adding long-term debt.
Is there a fee to use a broker?
No upfront fee to you. The lender pays the broker on settlement.