A Line of Credit... Just in Case


A cash advance for any use

Improve Business

Pay an Unexpected Bill

Make Payroll

Consolidate Loans

A business owner’s time is valuable

No Paperwork

Same Day Decision

Funds In 24 Hours

Flexible Credit Standards

The repayment schedule is flexible

Small Payments

No Hassles

No Early Payment Penalty

We Listen

Quick Line of Credit Quote

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Looking for a Commercial Business Loan?

Thanks to PFS I paid my hard working employees on time and business has never been better.

Jack Jacoby

Jack Jacoby
Staffing Company

Thanks to PFS Debt restructuring program, I was able to lower my other loan payments.

Jennifer McHale

Jennifer McHale
Cupcake Retail

We got a cash advance from PFS that helped us pay an unexpected bill quickly.

Frank Burns

Frank Burns
Manufacturing Company

A Type of Commercial Business Loan that Helps you Make Payroll

At Payroll Financing Solutions we know how serious it is to miss payroll so our Payroll Financing program replaces commercial business loan programs and is specifically designed to make sure that you can make payroll. We will advance you money so that you can make payroll and then put together a payment plan where you can pay us back a little each business day. Certainly missing payroll is one of the most destructive things that can
affect the moral of your office. We know this and our financing is specifically designed to eliminate missing payroll.

Business Owners are Busy, Payroll Financing is Easy

We know how busy business owners are and that you also hate paperwork. Our application process is easy. It starts with a 20 minute or less phone call with one of our managing partners who will ask you a series of questions so we can learn about your business. After that call we will be able to give you a preliminary approved or not approved answer. We will then ask for some backup and simple paperwork that your accounting software will already have in place. We will then wire you the money. This all takes about 48 hours or less.

Our Alternative Commercial Business Loan is Flexible

You will always be dealing with one of the owners of Payroll financing solutions so if you have a special request or change in our spot funding program, you can ask. We pride ourselves on understanding small businesses because our owners have built 6 small businesses themselves. Payroll Financing replaces businesses that were looking for a commercial business loan. Payroll financing is a spot funding or spot factoring financing program. We use your accounts receivable as collateral but your clients checks still go directly to your business while you pay your Payroll Financing back in small daily payments. The key here is that we can move fast on your request and they funds are usually used in an emergency situation so the business can make payroll.


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    We understand small businesses

    We have built small businesses ourselves and we are not from the traditional banking or wall street crowd.

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    A company you can trust

    We have an “A” rating from the Better Business Bureau and believe strongly in treating you professionally and with respect.

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    A fast & easy process

    With no paperwork to fill out, we can give you a good idea if you will be approved within minutes.

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    Forgiving lending standards

    We approve many businesses who thought they would never be approved because we listen.