---
title: Thinking About How To Make Payroll? Get Defensive.
description: Companies worried about how to make payroll look to short-term business loans, or factoring, for crucial help. Get the defensive strategy here.
image: https://www.fastarfunding.com/hs-fs/file-16052877-jpg/images/92172880.jpg
---

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## [Thinking About How To Make Payroll? Get Defensive.](https://www.fastarfunding.com/blog-factoring/bid/87914/Thinking-About-How-To-Make-Payroll-Get-Defensive)

Posted by [John Mauldin](https://www.fastarfunding.com/blog-factoring/author/john-mauldin) on Mon, Oct 15, 2012

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![payroll](https://www.fastarfunding.com/hs-fs/file-16052877-jpg/images/92172880.jpg?width=328&height=219&name=92172880.jpg)As a small business owner or manager, you work hard to ensure that revenue is generated, expenses are managed well and profits are made. Along with that, you make sure your business cash flows efficiently and you are able to service your debt, pay general and administrative expenses, and make payroll. You’re running a tight ship that’s the product of your handiwork.  

At the same time, you want to make sure your business is 100% covered from a cash flow perspective. You want to ensure that in the event of a financial crisis, you have access immediate cash. Let’s face it, there are times where there’s a hiccup and you need a little help. It’s kind of like football, even the most efficient and productive offenses struggles at times and you need the defense to help pick up the slack.  

In business, you never know when a customer will decide to stretch payments, or when an unexpected expense that will eat up your cash is going to crop up. What if you’re worried about how to make payroll? You may simply need to purchase inventory to prepare for your upcoming busy season. That’s when you as a business owner can turn to your defense by way of short-term small business financing. Short-term business loans are an easy way to get your hands on the much-needed cash so you never have to worry about how to make payroll.

***One of the Most Common Types of Small Business Loans***

One of the most common forms of small business loans is factoring. If you’re unaware of what factoring is, it is a relatively easy way for a business to generate cash by selling their accounts receivables to a third party otherwise known as a factor.  

The ability to factor (or sell) receivables is primarily dependent on the credit strength of your customers. The stronger the creditworthiness of a customer, the more you’ll be able to factor.  

As mentioned before, by setting your company up with a small business loan or a factoring line, you have essentially given your company an insurance policy. If you have customers that pay in 30, 60 or 90 days, then by factoring your receivables you are able to eliminate that waiting period and eliminate the worry about how to make payroll or purchase essential inventory.

***The Convenience of Factoring***

The nice thing about factoring is you don’t have to factor every receivable. If you’re a planner and are able to project out your cash flow, expenses and payroll, then you can estimate how much you will need or not need to factor. This also helps on the expense side, because then you help your cash flow while keeping factoring expenses low.

In addition, the nice thing about factoring today is with the advances in technology, obtaining a factoring line is very quick and easy. In some cases it may only a take a few days and can be paperless.

If you own a small business and want the comfort of knowing that your cash needs are met and that your payroll is covered, a small business loan or factoring line may be a good option for you. 

**Fast A/R Funding specializes in helping small businesses bridge the cash flow gap. Ready to get the cash your business needs? Click the link below to Apply Now, or call 888.833.2286 to speak with one of our small business finance consultants.** 

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