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Short on Cash? No Problem.
The biggest hurdle for small businesses in these sectors is liquidity. You might have $50,000 in accounts receivable, but if you only have $5,000 in the bank and a $10,000 payroll due tomorrow, you have a problem.
Payroll by Card app solves this by allowing you to run payroll even when cash is tight. By funding your payroll with a credit card, you get instant access to funds. This “bridge” ensures your team stays happy and your business stays operational, regardless of when your customers actually pay their invoices.
The 30-45 Day Advantage: When you use a credit card to fund payroll, you aren’t just paying your team; you’re buying time. You get an extended payment window of 30 to 45 days (depending on your card’s billing cycle) to pay back the credit card provider. This allows you to keep your working capital available for other urgent business needs.
Turn Your Biggest Expense into Your Biggest Reward
What if payroll wasn’t just a “loss” on your balance sheet? With Payroll by Card, every dollar you spend on your team works twice as hard.
Earn While You Pay
When you fund payroll through the app, you earn cashback, credit card points, and travel rewards on every single transaction.
Think about the math: If your annual payroll is $500,000, a 2% cashback reward puts $10,000 back into your pocket. That’s enough to fund a new marketing campaign, upgrade kitchen equipment, or even take that well-deserved vacation.
Tax-Deductible Efficiency
While there is a processing fee for credit card transactions, there is a silver lining: Processing fees may be recorded as business expenses. This makes the service highly cost-effective, especially when you consider that the cashback rewards often offset a significant portion (or all) of the fee.
Key Features Built for the Modern Entrepreneur
The Payroll by Card mobile app from Zil Money is designed for the business owner who is always on the move. Whether you’re at a warehouse, a storefront, or a restaurant depot, you have full control at your fingertips.
Credit Card Payroll Funding: Use your business credit card to fund payroll instantly, no more waiting for bank transfers to clear.
Instant Transfers: Funds move quickly to your business account to ensure there is zero lag in your payment cycle.
Mobile Payroll App: Run your entire payroll process from your phone, anywhere, anytime.
Easy Integration: Connect seamlessly with QuickBooks, Xero, Zoho, and Bill.com to keep your books perfectly synced.
Emergency Funding: Access a safety net when you need it most, maintaining employee satisfaction during temporary cash shortages.
Don’t Just Pay, Pay Smart
The ability to adapt is your greatest strength. Why should your payroll be any different? Stop letting “cash on hand” dictate your ability to take care of your team and grow your business.
With Payroll by Card, you gain a powerful ally that turns your credit card into a strategic funding tool. You’ll maintain employee satisfaction with guaranteed on-time payments, protect your working capital, and earn valuable rewards that go right back into your bottom line.
