Payroll Is Due. The Account Is Short. Here's Your Actual Option List.
Missing payroll is the one deadline a business cannot quietly slide — it breaks trust, and in many states late wages create legal liability. Enter two numbers. Get every realistic option, ranked by whether it can land in time.
Who built this: Published free by T.A.G. Business Funding (Towers Asset Group LLC), an independent business-funding ISO in Chagrin Falls, Ohio — not a direct lender. Educational; nothing here is legal advice or a funding guarantee.
Reviewed by the T.A.G. Business Funding editorial team. Last updated August 14, 2026.
Your situation
Triage by timeline first — enter your dates above and the tool ranks your specific options.
Your options, ranked for this timeline
Grayed-out options can't realistically land before your deadline. Costs are typical ranges, not quotes.
Two things NOT to do: (1) Don't pull payroll-tax money (the withheld portion) to cover wages — IRS trust-fund penalties attach to you personally, not just the business. (2) Don't take the first funding offer you see at 2am out of panic — even in a 48-hour window there is usually time to compare at least two options.
Deposits are solid — the timing is just brutal?
Revenue-based working capital was built for exactly this shape of problem: real monthly revenue, short-term timing gap. T.A.G. Business Funding matches owners with funding partners using typically just 4 months of business bank statements and a one-page application — decisions are returned by the funding provider once your file is complete, funds follow on the provider’s own timeline after signing. Free to apply, no hard credit inquiry before the initial decision, no obligation.