Revolutionizing payroll
as a source of business financing
Custom-tailored cash
flow for your business
Instant financing
available for companies
Revolutionizing payroll as a source of capital Custom-tailored cash flow for your business Instant financing available for companies
We are the world’s first payroll factoring lender, a novel off-balance sheet working capital solution.
SK - Financing & flexible payroll
Available immediately, without taking on debt.
We help companies grow and increase employee satisfaction.
How much capital can you unlock with WageNow?
We’ll pay your employees’ wages, giving you access to capital. No debt burden. With the best terms on the market.
Available working capital
*Prices in the table are based on a 10% annual interest rate (0.83% monthly).
The fee may vary depending on the client, ranging from 10–14% p.a. or 0.33–0.83% monthly.
Get the most convenient capital.
Contact us and we’ll create a tailored offer for you.
Available financing and tailored cash flow
Stable financing or tailored cash flow that lets you time your expenses for a specific month of the year
Stable financing
Instant capital with flexible repayment terms.
Working capital for companies with stable cash flow. We’ll tailor the capital amount to your needs. Repay it when it suits you.
Seasonal financing
Tailored cash flow for your seasonal business.
Do you have unstable cash flow? For the agreed period of the year, we’ll create a tailored financing schedule based on your needs.
Annual interest rate: 6–10%
We guarantee the most competitive terms on the market. The interest rate depends on your company’s profile, capital amount, and funding duration.
No debt burden.
WageNow financing is classified as a short-term claim. It does not affect your existing credit terms or borrowing capacity.
Tax optimization and cost savings
By deferring payroll, you also delay tax payments, enabling tax optimization and reducing additional costs.
Our capital helps you grow
Our capital helps to grow these clients
I’m very satisfied with WageNow’s services. I appreciate their excellent communication – they always respond promptly to questions and are willing to help The financing was a great support for us. We received capital when we needed it the most. I definitely recommend them.
– Cindy Offermanová, COO of EDOKIN Restaurants
Our company, Váš Lekár, has the opportunity to work with WageNow in the area of financing, and we would like to express our satisfaction with the services provided. This collaboration has brought significant improvements to our cash flow management. The financing has given us quick access to funds, allowing us to manage payroll planning more flexibly and efficiently.
– Denisa Andelková, HR specialist of Váš Lekár
Get working capital within 7 days.
Write to us and we’ll prepare a tailored offer for you.
We care about your data in our privacy policy.
The most popular benefit among employees
Flexible access to payroll anytime during the month
Your paycheck in just a few clicks – right in your account.
With WageNow, employees can access their earned wages anytime. No extra hassle for you.
- Work your hours
- Access your pay through the app
- Settle up at the end of the month
Companies
Companies
Increased Employee Retention
According to ADP (2022), employers who offer flexible pay as a benefit saw up to a 36% increase in employee retention.
Employees stay longer at companies offering EWA
89% of people stay longer at companies that offer flexible pay. Keep your talent and attract people from the competition.
Employee
Employee
People with EWA manage their budget more effectively.
People with flexible pay manage their expenses better, handle their finances more efficiently, and are able to build financial stability.
People with EWA save more money each month.
Thanks to flexible pay, people are better prepared for unexpected expenses or can start building an essential financial cushion. This helps them avoid turning to costly loans.
Benefit - satisfied employees
Our benefit has boosted employee satisfaction for these clients too.
We began our active collaboration in 2024. Whether it was during the setup process or in the daily operation of the service, the cooperation was always professional and reliable. Our requests were consistently handled promptly, and thanks to WageNow, we were able to introduce a new and modern employee benefit called “Earned Wage Access.” The initial feedback from colleagues who have already used the early payout option has been positive, and we believe this benefit will continue to gain popularity.
– Katarína Lacková – HR manager NAY
I would like to express my full support and positive experience with WageNow. Our company, Váš Lekár, began working with WageNow in June 2024 and we are extremely satisfied with their services. WageNow has provided us with a modern solution that gives our employees flexible access to their earnings. This innovative system has significantly improved the financial planning and overall well-being of our team.
– Denisa Andelková, HR specialist of Váš Lekár
The WageNow benefit has brought our employees a level of flexibility they truly appreciate, and it has made it easier for us to support their satisfaction. Working with the WageNow team is always smooth and reliable, so we can fully recommend their service.
– Vladimír Kamenec, Director of McDonald´s Tiebreak
Give your employees the most popular benefit.
Message us and we’ll create a tailored offer just for you.
We care about your data in our privacy policy.
Frequently asked questions
How does WageNow financing help companies gain financial flexibility?
WageNow unlocks working capital by providing fast access to financing, allowing companies to invest in growth, manage cash flow more effectively, and make smarter financial decisions.
Is WageNow financing a loan?
No, it’s not a loan. It’s short-term receivables financing that doesn’t impact your credit capacity or existing loan agreements.
What types of companies is WageNow best suited for?
WageNow is ideal for companies with 20 to 500 employees, especially those using digital attendance and payroll systems (though it’s not a requirement). It’s a great fit for SMEs and companies with seasonal cash flow looking to better plan wages and taxes.
How is WageNow financing different from traditional bank loans?
Unlike banks, WageNow doesn’t require complex approvals or physical collateral. The process is fast, flexible, and doesn’t reduce your borrowing capacity.
How can I apply for WageNow financing?
If you meet our basic criteria and are interested in WageNow financing, get in touch with us. We’ll be happy to tailor a solution that fits your business needs.
What impact will the WageNow benefit have on our company’s payroll?
None. The payroll cycle remains unchanged and all salary payments stay predictable. Employees can access a portion of their already earned wages, but at the end of the month, the company processes payroll in the standard way, you simply reimburse the amounts paid out.
When will we receive the data needed for payroll calculation?
You’ll receive all necessary data at the beginning of the new month after the withdrawal period for the previous month is closed, so there’s no disruption to your payroll process.
Can employees withdraw their entire salary in advance?
No, WageNow allows access only to a portion of already earned wages. Limits are set to ensure a stable payroll process and financial sustainability for both the employer and employee.
How does WageNow integrate with our payroll and attendance system?
We connect directly to your attendance and payroll systems, enabling automated payroll processing with no manual admin work for HR or accounting. The implementation is fast and seamless.
What are the costs for the company?
WageNow operates on a fixed monthly fee per employee. There are no hidden costs or additional transaction fees.
Does the WageNow benefit affect maternity or social benefits for employees?
No, WageNow has no impact on the calculation of maternity leave, sick pay, or other social benefits. Since the payroll cycle remains standard and salaries are processed at the end of the month, all deductions and entitlements stay the same.
Doesn’t WageNow reduce employees’ financial literacy?
On the contrary. WageNow helps employees manage their finances more responsibly by offering flexible access to already earned wages, helping them avoid costly short-term loans or debt. According to a Visa survey (2019), flexible pay helps 46% of people be better prepared for unexpected expenses and save more money.
