Talk to us
Who we serve

For the businesses that build, move and serve.

Tight cash and hard work, where the money problems come from timing rather than from profit. You are busy, the work is good, and there is still a week every month where the numbers are tighter than they should be, because everyone pays you late and nobody lets you pay them late.

Talk to us See if this sounds like you
THE BUSINESSES WE BUILT THIS FOR Build Construction and trades Move Transport and logistics Serve Staffing and service

What these businesses have in common

You pay before you get paidMaterials, payroll and fuel go out long before a single invoice settles.
The problem is timing, not profitMoney goes out on your schedule and comes in on everyone else's.
What these businesses deal with

Three problems, and none of them are about whether the business is any good.

01

You finance your customers for free

The work is finished, the invoice is out, and the money arrives two months later. Meanwhile payroll ran four times and the next job needed materials up front.

02

Money trouble does not stay at home

Somebody is doing sums in their head on a ladder because a car repair landed the week before payday. First it is distraction and mistakes, then missed shifts, and eventually somebody you spent two years training leaves over a few hundred dollars.

03

Health problems become scheduling problems

Nobody on an hourly wage sees a doctor for something small. So it stops being small, and then it is a week of missed shifts you have to cover.

The workarounds

Everyone has a way of getting by. Most of them cost more than the problem they solve.

None of these are stupid. They are what is available when the tools that would help, cash when you need it and real support for your people, were never built for a business your size, or were not built at all. So businesses went without, and worked around it.

What happensWhat businesses do nowWhat it actually costs
Cash is tied up in unpaid invoices The owner funds it personally, on a card or a personal guarantee The business survives on your credit rather than its own
A bigger contract comes up Turn it down, because the cash to start it is in the last job Growth becomes the thing you cannot afford
Someone needs a few hundred dollars before payday A payday lender, an overdraft, or a card advance Costs many times the amount, and the stress comes to work
Someone needs more than a paycheck can cover A high rate installment loan, or they go without A repair becomes a resignation, and you lose someone trained
Something hurts and nobody can afford a doctor Wait it out and hope Urgent care in June instead of ten minutes in March
What changes

Not a transformation. A week that goes the way it was supposed to.

Cash arrives when your customer decides Cash arrives when you need it
Payroll depends on someone else paying first Payroll is covered either way
A year of insurance in one brutal month A payment you can plan around
Payday is the only day money moves They reach their own pay on any day
A big repair means a payday lender A fair loan, repaid through payroll
Seeing a doctor costs a day off and a bill A doctor that evening, at no cost per visit
See how it works
Industries we know well

Where we see this pattern most.

These are where we are focused, not where we stop. If your business invoices other businesses and waits to get paid, or runs an hourly crew with turnover, the pattern is the same whatever the industry is called.

Construction and trades Long invoice cycles, and crews who need paying while you wait on a general contractor.
Transportation Net thirty on freight, fuel paid up front, and drivers who leave for a dollar an hour.
Staffing You pay the worker on Friday and get paid by the client in 60 days. The gap is the business.
Manufacturing Materials and labor up front, payment on delivery terms, and a floor that has to be staffed.
Field service Trucks, parts and technicians going out before a single invoice is settled.
Security Long contracts, thin margins, and guards living close to the edge of the pay cycle.

This is what your crew is carrying.

The cash side of this you already know, because you live it. The people side is harder to see from the office. It is not a minority of your crew and it is not the ones who manage money badly. It is most of them, most months.

59%are stressed about their finances right now
30%have less than $1,000 saved for an emergency
39%have already used a payday loan or advance
See what we put in front of them instead

PwC Employee Financial Wellness Survey, 2026, based on a survey of nearly 3,500 US employees.

Written for your team

Here is what this looks like from where they stand.

You worked the hours. The money is yours. This is a way to reach some of it before the calendar says you can, a fair loan when the problem is bigger than that, a card without the fees, and a doctor your whole household can reach.

Your business stays your businessYour employer never sees what you spent it on, or why you needed it.
Nothing is taken unless you askYou decide what you use and when. Nothing comes out of your pay on its own.
Your family is covered tooOne healthcare membership reaches everyone who lives with you.

See everything the team gets

See what this would fix in your business.

Tell us how the business runs and where the money gets tight. We will go through which parts fit, what they change, and what they cost.

Talk to us

Nothing to prepare, and nothing to commit to.