PAYROLL FUNDING WAS BUILT BACKWARDS—UNTIL NOW
Your business can be busy, profitable, and growing — and still hit a cash-flow squeeze when payroll comes due before customer payments arrive.
That is not always a business problem.
it is a timing problem.
Total Payroll gives established businesses a smarter way to bridge that gap with short-term funding built around one critical obligation:
Keeping payroll on time.
When invoices are outstanding, reimbursements are delayed, projects stretch, or growth creates payroll before cash catches up, Total Payroll helps you protect your people, preserve operating cash, and keep the business moving.
In today’s fast-paced business world, staying ahead of the curve is crucial for success.
That’s why Total Payroll is proud to unveil its groundbreaking Next Gen Payroll Funding, a game-changing solution designed to revolutionize the way businesses manage their payroll processes.
It’s so simple!
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The Total Payroll Advantage:
Instead of factoring receivables
Protect payroll without making the entire solution revolve around selling or financing invoices.
Instead of relying on merchant cash advances
Avoid solving one cash-flow problem with another daily cash drain.
Instead of using personal credit
Keep payroll risk off the owner’s personal cards and savings.
The Work Is Done….
The Money Is Coming….
Payroll Is Due Now……
You may already have the revenue. It may be sitting in approved invoices, pending deposits, government payments, insurance reimbursements, retainage, or customer checks that simply have not cleared yet.
Payroll does not run on promises. Payroll runs on available cash!
That is the gap Total Payroll helps solve — the space between money earned and money received.
Because a strong business should not be forced into a payroll emergency just because the calendar did not cooperate.
INSTANT FUNDING
Most owners do not miss payroll because the business has no work. They feel pressure because cash arrives after payroll is due.
That happens when:
- Customers pay on 30, 60, or 90-day terms
- Invoices are approved but unpaid
- Insurance reimbursements are delayed
- Project payments or retainage are held back
- New contracts require workers before the first payment arrives
- Seasonal revenue dips before expenses slow down
- Growth creates larger payroll before revenue catches up
The business may be healthy. The sales may be strong. The receivables may be real. But payday still comes first.
Total Payroll helps bridge that timing gap!
Stop Using the Wrong Tool to Cover Payroll
Most financing options were not built around payroll. A bank loan can take too long. Invoice factoring can force the business to finance the entire receivable. Merchant cash advances can create daily cash pressure. Credit cards and owner cash put the burden directly on the business owner.
Total Payroll is different – We focuse on the immediate payroll need — not a bloated loan, not a long-term debt package, not a daily cash drain, and not another personal cash injection.
1. Apply
Complete a streamlined business funding application.
2. Get Set Up
Total Payroll reviews the business and determines available funding options.
3. Request Funds
When a payroll timing gap appears, request the amount needed to keep employees paid and operations moving.
4. Receive Funds
Funds are delivered quickly for payroll use.
5. Repay and Move Forward
Use short-term funding to get through the gap, then continue operating as incoming revenue catches up.
