Payroll is one of the few costs with no flexibility. Staff, drivers and subcontractors expect to be paid on the agreed date, every cycle, whether or not your customers have settled. In labour-heavy sectors such as construction, trades and logistics, that mismatch between fixed wage dates and variable customer payments is a frequent source of stress.
Why the timing rarely lines up
Customers pay on their own terms, and large invoices can be delayed by valuations, sign-offs or simple slowness. Meanwhile your wage run is non-negotiable. Even a profitable company can find itself short on payday purely because of timing.
How funding bridges it
- Credicorp Flex lets you draw to cover a wage run, then repay as customer payments arrive, suiting an uneven cycle
- Credicorp Slice provides a single amount for a defined shortfall
- The rate and term that apply are those shown in your offer
Use it as a bridge, not a crutch
Funding payroll across a timing gap is sensible. Relying on it every cycle to cover wages you are not actually earning is a warning sign worth addressing with tighter pricing or collection. Our team can talk through which pattern you are in.
The basics
We lend to UK limited companies and LLPs only, with no personal guarantees from directors. This is business lending outside the FCA consumer-credit regime, so FOS and FSCS protections do not apply.
See also: Funding for recruitment agencies, Funding for transport and logistics companies and Funding for SaaS and subscription businesses.