How to Solve a 1-month Cashflow Crisis

Running a business means dealing with occasional cash flow surprises. When your biggest client payment gets delayed, when you need to invest to secure new work or a project goes long. Whatever the reason, the common challenge is that your payroll payments can't wait.

In these situations, you need a solution that works immediately – even if you only need it for a single month.

The One-Month Solution

Our ‘Payroll with Points’ solution allows you to use your business credit cards including American Express business cards for your payroll costs giving you instant cashflow breathing space with zero minimum commitment.

Unlike traditional business loans with lengthy approval processes and rigid terms, Payroll with Points puts purchasing power in your hands immediately. No minimum usage requirements, no extended commitment periods, no need to move your payroll – just the flexibility to bridge short-term gaps on your terms.

And depending on your card provider, Payroll with Points can provide up to 54-day payment terms plus any other benefits your card provider offers.

Why It Works for Payroll

Instant Access: You can use your existing business credit cards immediately. There’s no application process or credit checks and you could get up to 54 days cashflow benefit.

Seamless Integration: Payroll with Points works with all major business credit card providers. So you can use American Express, Capital On Tap and many other cards for your payroll.

HMRC Too: Our solution is fully compliant with HMRC requirements – so much so that you can even use it to settle your PAYE, VAT and Corporation Tax bills.

Part Payments: Don’t worry if your card limit only covers part of your payroll. We can make a part payment or spread your payment across multiple cards.

Earn While You Spend: Every payroll £ can earn Membership Rewards points or cash back (depending on your card), turning necessary expenses into valuable rewards.

The Strategic Advantage

Even if you don't need it regularly, the option to use your business credit card to settle payroll costs provides a handy insurance policy. When unexpected situations arise, you've got a solution that adapts to your timeline, not the other way around.

And it works for any sector. Our Payroll with Points clients including home care providers, accountants, design agencies, construction firms and recruitment agencies. In some cases they use the facility every month, in others, they use it once or twice a year to ease a pinch point.

Getting Started

The cutoff date for Payroll with Points payments for September month-end payroll is Monday 22nd September.

Simply contact us to find out more. Setup takes minutes with no credit checks or security required.