The platform allows you to pay bill on credit card and earn cashback and rewards without payee charges.
Bills are coming in, rent’s due, employees need to get paid, and the big client you’ve been chasing still hasn’t paid that invoice.
If this sounds like your daily life, you’re not alone. According to recent data, 82% of businesses fail due to cash flow problems. So what happens when you’re stuck between a rock and a hard place?
- Take a high-interest loan? Nope.
- Beg clients to pay faster? Good luck with that.
But here’s the good news: credit cards don’t have to be the bad guy here. If you use them smartly, they can keep your business alive and well during tough times. No loans, no stress.
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What Is Financial Sustainability for Small Business Owners?
At its core, financial sustainability means keeping your business in the green—making sure you’ve got enough cash on hand to handle expenses without falling behind. It’s about having a balance between incoming and outgoing money so that you can pay your bills on time, grow, and avoid sinking into debt.
Now, the struggle isn’t always about not earning enough. It’s more about the timing of when money flows in and out. Here’s where credit cards come in: they can help you extend that gap until the payments arrive.
The Big Problems Small Business Owners Face:
- Late Customer Payments – You’re waiting on money that’s not coming anytime soon.
- Bills That Won’t Wait – Rent, payroll, and utilities all need to be paid now.
- Unexpected Costs – Equipment breaks, taxes come due, or emergency orders need to be placed.
- Lack of Emergency Funds – Let’s be honest; not everyone has six months of expenses tucked away.
How Zil Money Helps You Pay Bills with a Credit Card
1. Pay Your Vendors, Even if They Don’t Accept Credit Cards
Many small business owners are stuck because vendors don’t accept cards. With Zil Money, you can pay them through
- ACH
- Wire transfer
- Virtual card
- Check mailing—while using your credit card.
This means you’re still paying with your card and avoiding short-term loans.
2. Cover Rent with Your Credit Card
Landlords tend to stick with old-school payment methods, but that doesn’t mean you have to follow the rules. With the platform, you can pay rent payments with your credit card, giving you more flexibility with your cash flow.
3. Pay Employees and Contractors Without Worry
The one thing you can’t afford to mess up? Employee paydays. But what if the money from your biggest client is delayed? Zil Money lets you pay payroll with your credit card, ensuring that you’re always on time—no more late paycheck stress.
The Power of Earning Rewards, Cashback, and Points
Reward Points for Travel or Savings
Using your credit card for business expenses means you can rack up points faster. Those points can be used for travel, office supplies, or even cashback. You’re spending money anyway—why not get rewarded for it?
Credit Cards = Tax Breaks? You Bet.
You might already know that business expenses are tax-deductible, but did you know credit card expenses can be part of that?
What Can You Deduct?
- Rent Payments
- Payroll & Contractor Costs
- Office Supplies & Equipment
- Utility Bills & Business Services
And here’s the best part: Zil Money tracks everything for you. All your payments are neatly documented and ready to go. No more scrambling through stacks of paper or trying to figure out which receipt goes where. It’s already in your system.
All-In-One Payment Platform for Your Business
Zil Money is an all-in-one payment platform that lets you pay and get paid using credit cards, checks, eChecks, ACH, and wire transfers. With the platform, you get to choose from multiple payment methods, depending on what suits your business needs. But that’s not all. Managing your invoices and bills becomes easy with all your payments organized in one place. Zil Money connects with over 22,000+ financial institutions in the US and Canada, so you can link multiple accounts and streamline your accounts payable and accounts receivable management. Whether it’s paying vendors, employees, or managing invoices, the software gives you the control and tools you need for smooth financial operations.
Credit Cards Aren’t the Enemy—When Used the Right Way
Credit cards aren’t some magic fix, but when used correctly, they’re a game-changer for small business owners.
By using the platform, you can:
- Pay bills, rent, and employees—no matter who accepts what.
- Earn cashback, rewards, and tax breaks.
- Control your cash flow without resorting to high-interest loans.
Stop struggling with cash flow and start using your credit card as a business lifeline. It’s all about working smarter, not harder.
Ready to take control of your business finances? Try Zil Money today—and turn your credit card into your best business ally.
