Embedded capital at the moment of payroll.
An employer line of credit built right into the payroll run. Fund this cycle now, repay over flexible bi-weekly installments — so your team is always paid on time.
No FICO-only decision · Approved in seconds · Funded in 24–48 hours
Capital, in the flow of payroll
No new portal, no separate application. The offer appears the moment you run payroll — or stands by as a backstop if a run is ever short.
Connect once
Link a bank account inside payroll. We underwrite on cash flow, payroll history, and business & owner credit — approved for a limit in seconds.
Draw at the run
When you're about to pay your team, choose Pay Over Time and draw against your limit — right in the payroll flow.
We fund payroll
Funds land in 24–48 hours and your team is paid on time, every time — no scramble, no missed cycle.
Repay flexibly
Repay over 4, 8, or 12 bi-weekly installments with one transparent flat fee. No compounding interest.
Flexible terms, one flat fee
Bi-weekly repayment, first payment at origination. No compounding interest, no hidden costs — you see the full cost before you draw.
Illustrative fee rates applied to a representative $50,000 advance. Actual pricing is set per-applicant by underwriting. Lines of credit issued by a partner bank.
The lender that sees the signal first
Lendea underwrites on the data that actually predicts repayment — payroll cadence and on-time payroll-tax behavior — paired with credit-bureau data, in real time.
Offered at the moment of need
The line surfaces at the exact instant intent is highest — inside the payroll run — so getting funded is one click, not a week of paperwork.
Many signals, not just a score
We weigh payroll history, cash flow, and business & owner credit — FICO included — alongside many fresh data points, safely expanding access.
Transparent by design
One flat fee, shown up front. Flexible bi-weekly repayment. No compounding interest and no surprises on the statement.
Turn every payroll run into a capital moment.
Bring Lendea to your payroll platform, or add Pay Over Time for your business. Talk to our team to get started.