Payroll finance for Jersey and Guernsey businesses.
Missing a payroll date is one of the most damaging things that can happen to staff morale and your business reputation. Payroll loans provide fast, short-term funding to cover your wage bill when cash flow is temporarily tight. We connect Channel Islands businesses with lenders who can move quickly and discretely to keep your team paid and your reputation intact.
- Ensure your team is paid on time even when cash flow is temporarily short
- Fast decisions — many payroll loan applications approved within 24 hours
- Short-term facility minimises your interest costs
- Discreet process — your staff do not need to know you used finance
- Repeat facilities available for businesses with regular cash flow cycles
- Combined with invoice discounting for businesses with large debtor books
Quick facts
No obligation. Soft credit check only.
How it works
Tell us your payroll amount and timing
Share the amount you need and your payroll date. We move quickly — no credit check at this initial stage.
We find payroll finance fast
We identify lenders who can approve and release funds quickly, often within 24 hours of a full application being submitted.
Payroll runs on time
Funds are transferred to your account and your payroll runs as normal. You repay the lender once your invoices clear or your next revenue comes in.
Who can apply?
- Business registered or trading in Jersey or Guernsey
- Must have a documented payroll obligation
- Cash flow shortage must be demonstrably temporary
- Trading history of at least 6 months preferred
- Businesses with outstanding invoices from creditworthy clients are preferred
- Both sole traders with employees and limited companies eligible
Not sure if you qualify? Request a call back — we will tell you honestly what your options are before you apply.
Ready to get started?
Two ways to begin — choose whichever suits you best.
Soft credit check only
No obligation
Decision within 48 hours
Common questions
Many payroll loan applications are approved within 24 hours. If your payroll date is imminent, contact us immediately — we prioritise time-critical applications.
Yes. Some lenders offer standing payroll facilities for businesses that regularly experience a cash flow lag between outgoings and income.
No. Salary advances are given to employees by employers. Payroll finance is a short-term loan to the business itself to fund the overall payroll.
This is a common and solvable situation. Invoice discounting may be a faster solution — you advance against your unpaid invoices and use those funds for payroll.
Some lenders consider registered charities and non-profit organisations. Availability depends on your funding profile and trading structure. We will confirm options when you enquire.
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Ready to take the next step?
Complete a full application online or request a call back and we will do the searching for you.
No obligation. Soft credit check only.
Secure application
Apply Online
Complete your full loan application below. Your information is handled securely and sent directly to our team.
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Free, no-obligation
Request a Call Back
Leave your details and a member of our team will call you back within one business day. No obligation, no credit check.
Almost done — press Send
We've opened an email in your mail app with your details. Just press Send to complete your request, and a member of our team will call you back within one business day.
Something went wrong. Please try again or email us at info@nowagogo.com.