Working Capital Management

Where to Find Cash Flow for Payroll Last Minute?

Woman Counting Cash for Payroll

When you have the right financial systems in place for your small business, you’re able to better analyze your financial position – you’ll know if you have the cash to cover all your bills. A key step to ensuring this is to be proactive and having alternative solutions for common financial problems in place. The best time to get them is when you don’t need it.

That’s the way things would work in a perfect world, anyway. But it’s very likely that your business doesn’t operate in a perfect world. Life happens, and it’s not always easy for a small business to make payroll.

These days, because of the prevalence of financial fraud and money laundering, financial institutions have more stringent requirements to approve business loans and lines of credit. Fast approvals for bank loans and lines of credit are a thing of the past. Approval processes can now take up to three months.

Despite that, there are a few things you can do to make payroll last minute – some of which are more desirable than others. Keep in mind that the option you choose also depends on what last minute means to you.

  • Forgo a salary.
  • Have a liquidation sale.
  • Tap into your savings account.
  • Use your personal line of credit.
  • Use your personal credit cards.
  • Factor your invoices.


As the business owner, you could temporarily forgo a salary, but perhaps there is no cash to make any payroll payments. Other alternatives to fund payroll can include tapping into your savings account, using your personal line of credit, or maxing out your credit cards.

If you sell physical products, you could have a liquidation sale to access quick cash. When trying to grow your business, selling off your inventory for quick cash may not be the best move.

You’re probably thinking that you don’t want to do any of the above, or, for whatever reason, none of the above options described will work for your situation.

A better option that’s quick and seamless is invoice factoring. FundThrough can get you funding in a day. When the owners founded the business, one of the things that was important to them was to eliminate many of the obstacles small businesses faced when trying to access capital for their business.

Now that you have a viable option to make payroll, you can focus on sales, make sure that you have a strong line of products and services, pare down overhead costs, and explore ways to earn passive income in your business. The most successful business owners have seven revenue streams.

To get the process started to factor your invoices, give FundThrough a try, to not only get the cash flow you need last minute to make payroll, but to also get the financing you need to successfully grow your business.

Explore fast payments with an experienced fintech

Interested in possibly embedding FundThrough in your platform? Let’s connect!