Payroll Business Loans Made Simple
Get fast funding to cover payroll and keep your team paid on time.
Some lenders may offer rapid assessments depending on your profile.
100% free · No credit score impact · No obligation
🏆 Lenders’ Choice Broker of the Year 2025 Finalist (Optimise Awards).
✔︎ Backed by 10+ years of experience in financial services.
Trusted by small business owners across Melbourne & Australia.
Our Panel of 40+ Lenders
Why covering payroll fast matters
When payroll deadlines hit and cash flow is tight, the pressure can escalate quickly.
Staff stress
Compliance issues
Damaged team morale
Business disruption
Loss of trust
High-risk financial penalties
Payroll business loans exist to remove that pressure immediately.
What is a payroll business loan?
A payroll business loan provides fast, short-term funding to ensure your staff are paid on time — even when cash flow is tight.
Instead of assessing full financial statements, most lenders look at:
Recent bank statements
Weekly or monthly turnover
Your upcoming payroll cycle
Your account conduct
If you need immediate support, you can also explore Business Cash Flow Loans or Working Capital Loans.
Who this suits best
You may be a strong fit for payroll funding if your business:
Has stable turnover
Is waiting on invoices, BAS, or contract payments
Is experiencing seasonal cash flow dips
Needs to bridge a temporary gap
Wants a simple, fast funding process
Needs funds urgently to meet a payroll deadline
How much you can borrow
Most payroll lenders offer:
$5,000 – $500,000
Terms from 3 – 24 months
Daily, weekly, or monthly repayment options
Your borrowing range depends primarily on recent turnover and account conduct.
What lenders look for (without complex documents)
Most lenders focus on real-time business health:
Monthly turnover
GST status (optional for some lenders)
Number of deposits
Account conduct (reversals, dishonours, overdraws)
Payroll cycle timing
Existing loan commitments
Time in business
In most cases, 3–6 months of bank statements is enough to complete an assessment.
Benefits of payroll business loans
Fast assessments — sometimes within 24 hours
No financial statements required
Minimal documentation
Supports team stability
Helps avoid compliance issues
Suitable for urgent payroll needs
No credit impact to check your options
Common uses for payroll funding
Meeting weekly, fortnightly, or monthly payroll
Covering short-term cash flow gaps
Handling unexpected staff cost increases
Bridging delays from late-paying clients
Covering payroll during seasonal periods
Preventing payroll reversals or staff issues
Eligibility criteria
Most lenders require:
3–6 months in business
Minimum turnover of $8,000–$15,000 per month
Active Australian business bank account
ABN registered and trading
No financial statements required.
No BAS required.
No tax returns required.
How the process works
1. Quick pre-assessment (30 sec)
Tell us your basic details — no credit impact.
2. Provide recent bank statements
Most lenders only need 3–6 months.
3. Compare tailored lender options
We match you with lenders who specialise in urgent payroll funding.
4. Get funded — sometimes within 24 hours
Timing depends on your situation and lender.
100% free · No credit score impact · No obligation
Why choose Casey Asset Finance
Easy to follow guidance
Fast assessments
Lenders that understand payroll urgency
Clear communication at each step
10+ years in financial services
Trusted by business owners across Australia
No confusing processes or hidden requirements
We simplify the process so you can focus on keeping your team moving forward.
What you can expect
Clear next steps
Guidance tailored to your situation
No surprises during the process
Full transparency on lender options
Support before, during, and after your application
Frequently asked questions
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Some lenders may approve within 24 hours.
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Checking your options does not impact your credit score.
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Most payroll lenders do not require full financials.
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Yes — some lenders accept 3–6 months in business.
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This depends on the lender and your turnover pattern. Some lenders also offer fortnightly repayments.
Ready to explore payroll business loan options?
See your best lender matches in 30 seconds — no credit impact.
100% free · No credit score impact · No obligation