When payroll is due and cash is short — which tool do you reach for? Depends on your business model and how your clients pay you.
Payroll must be met — it is one of the most legally critical and operationally essential obligations in business. When cash flow is tight, the question is which tool addresses the gap fastest at the lowest cost. The answer depends on whether your business has outstanding invoices (which can be factored) or collects at point of sale (which points toward MCA or working capital).
Rule of thumb: If you have B2B invoices, factor them first — it's cheaper and doesn't add debt. If you don't have eligible invoices, an MCA provides same-day access. A line of credit is the most cost-effective ongoing solution for businesses with recurring payroll gaps — but requires 6+ months of history and 600+ credit to establish.
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