Managing payroll is one of the most critical responsibilities for any business. But if your customers pay on terms of 30, 60, or even 90 days, it can put serious pressure on your cash flow. Employees expect to be paid weekly or bi-weekly—long before your customers settle their invoices. That gap can create stress, limit growth, and even put operations at risk.

ClearCoast Capital’s Payroll Funding bridges that gap. By advancing capital against your unpaid invoices, we provide immediate access to the funds you need to cover payroll and keep your team satisfied—without taking on additional debt.

How Payroll Funding Works

The process is simple:

1. Submit invoices – Send us your outstanding invoices.
2. Receive an advance – ClearCoast advances up to 90% of the invoice value within 24 hours.
3. Customer pays invoice – When your customer pays on their terms, we deduct a small service fee and return the remaining balance to you.

This solution keeps cash moving, eliminates payroll stress, and ensures you always have the funds needed to cover wages, benefits, and other payroll expenses. Since the advance is secured by receivables, it does not create debt on your balance sheet.

Why Choose Payroll Funding?

• Meet Payroll n time – Pay employees weekly or bi-weekly, even when customers pay monthly or later.
• Eliminate Stress – No more juggling cash flow or worrying about late payments.
• Fast Access to Capital – Funds are available within 24 hours of submitting invoices.
• No Debt, No Equity Lost – Your receivables secure the advance, so you keep full ownership of your business.
• Grow With Confidence – Take on new contracts, cover operating costs, and expand without waiting on customer checks.
• Flexible for Any Stage – Years in business or challenged credit aren’t barriers.

Who Can Benefit from Payroll Funding?

Payroll funding gives businesses the speed, flexibility, and reliability to keep employees paid on time, no matter when customer payments come in. This financing option is especially valuable for companies that face slow receivables, seasonal cycles, or rapid growth that stretches payroll obligations. With ClearCoast Capital, payroll funding ensures you can focus on running your business while we help bridge the cash flow gap.

Small & Medium-Sized Businesses
Companies without access to traditional bank loans can rely on payroll funding to cover wages while waiting on customer payments, maintaining steady operations.

Staffing Agencies
Agencies that pay workers weekly or bi-weekly, but invoice clients monthly can use payroll funding to keep payroll consistent and operations uninterrupted.

Service Providers
Businesses delivering ongoing services with extended payment terms often use payroll funding to smooth the gap between completing work and receiving payment.

Retail & Seasonal Businesses
Retailers and businesses with a large or seasonal workforce can leverage payroll funding to meet payroll needs year-round, even during slower sales periods.

B2B Service Providers
Companies that bill on longer payment cycles can unlock working capital to pay their teams without waiting for client checks to clear.

Manufacturing & Wholesale
Firms managing extended receivables and regular payroll disbursements benefit from payroll funding to keep production and distribution running smoothly.

Government & Education Contractors
Contracts with government or educational institutions often involve monthly invoicing that begins only after work is underway. Payroll funding provides upfront cash flow—even in the first week of work—to keep staff paid and projects moving.

The ClearCoast Difference

Our team understands the unique challenges businesses face in managing payroll. We provide a dedicated account team and work directly with decision-makers to build a funding plan that fits your needs. From staffing to transportation, manufacturing to healthcare, we’ve helped companies across industries keep employees paid and operations moving.

With Payroll Funding, ClearCoast helps you shift from financial stress to financial confidence—so you can focus on what matters most: running and growing your business.