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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

Payroll-gap triage flowchartTriage flowchart counting the days until payroll must land: three days or less means same-day free levers only; four to seven days means fast funding paths and free levers run side by side; eight to fourteen days means room to compare options properly.Payroll gap? Count the days first≤ 3 daysRed zoneSame-day levers only:collect receivables, vendor grace,existing LOC draw — run them in parallel4 to 7 daysAmber zoneFast funding AND free levers are bothrealistic — run them side by side,not in sequence8 to 14 daysRoom to compareCompare costs properly before choosing —panic pricing is how owners overpay
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 6 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, soft-pull initial review, no obligation.

How Emergency Business Funding Works →

Ready to move? Start the free application · Not sure you'd qualify? 2-minute fundability check. Approval is never guaranteed; all decisions are made by third-party funders.