Payroll Finance
Funding designed to support businesses where staff, contractors or temporary labour must be paid before income is received from clients.
Particularly relevant in recruitment, construction, logistics and contract-led businesses, payroll finance helps bridge the gap between wage commitments and delayed customer payments.
Often used for
Recruitment agencies, temporary labour providers, contract businesses, and companies experiencing growth where payroll obligations fall due ahead of client receipts.
Commercial reality
In many contract-led businesses, payroll is one of the largest and most immediate cash outflows. Staff and contractors must be paid weekly or monthly, while client invoices may not be settled for 30, 60 or even 90 days.
This timing mismatch can restrict growth even where demand is strong and contracts are secured.
Typical structure
Common scenarios
Weekly wage commitments funded ahead of client payment cycles.
Supporting labour costs while contracts are delivered and invoices remain outstanding.
Scaling workforce ahead of cash inflows from new or expanding contracts.
What funders look at
Our role
The Aftersales Network Limited is a credit broker and not a lender. We assess the payroll requirement in the context of the wider business model and position the case with lenders where the structure is most likely to be supported.
Payroll finance is rarely a standalone solution, and is often best structured alongside invoice finance or broader working capital facilities.
Start a structured discussion
If your business is experiencing pressure between payroll obligations and incoming cash, we can help assess the most appropriate funding route before you proceed.
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