Flexible working capital for your business — no credit checks, no balance sheet impact
Access up to £100,000 to £1,000 000 in flexible funding. No covenants, no restrictions, and a repayment schedule that fits your cash flow.
What our clients say
Real businesses using WageNow to stay stable, grow, and move forward.
“WageNow has been a reliable partner to our business. Their team is responsive, transparent, and truly helpful. The financing arrived exactly when we needed it — and made a real difference.”
Cindy Offermanová
COO of EDO-KIN Restaurants
“I would like to express my full support and positive experience with WageNow. Váš Lekár began cooperating with WageNow in June 2024, and we are extremely satisfied with their services. WageNow has provided us with a modern solution that allows our employees flexible access to their wages. This innovative system has significantly improved the financial planning and well-being of our employees.”
Denisa Andelkova
HR Specialist at VL Clinics
“The WageNow Benefit has brought our employees the kind of flexibility they truly appreciate, and it has made it easier for us to take care of their satisfaction. Cooperation with the WageNow team is always smooth and reliable, so we can only recommend their service.”
Vladimir Kamenec
Director of McDonald’s Tiebreak
“We began active cooperation in 2024. Whether it was the setup process or the active operation of the service, the cooperation was always professional. Our requests were addressed promptly every time, and thanks to WageNow we were able to provide our employees with a new, modern benefit — “Pay Anytime.” The feedback from the first colleagues who have already used the “Early Pay” option is positive, and we believe the benefit will continue to grow in popularity.”
Kathrin Lackova
HR Manager at NAY
How it works — in 60 seconds
See how simple it is to access fast, flexible capital with WageNow. From approval to funding — it’s all done in days, not weeks.
See how much working capital you can unlock with WageNow
We cover your employees’ wages, freeing up capital for your business — with no debt burden, no covenats, no history needed.
Available working capital
The prices shown are based on a 10% annual interest rate (0.83% monthly).
Actual fees may vary by client, typically ranging from 10-14% p.a. (or 0.83% – 1.16% monthly).
Unlock your tailored capital offer today
Receive a custom financing plan that fits your payroll cycle — fast, simple, and stress-free.
Capital for the real needs of your business
Simple, transparent, and flexible — designed to support your company’s cash flow, not restrict it.
~10% p.a.
With no additional fees, billed monthly at 0.83% — repay whenever it suits you.
Doesn’t affect bank limits
Our financing is not classified as debt or a short-term liability.
Within 7 Days
You’ll receive a tailored offer. After onboarding and signing, the capital will be in your account within 24h.
With flexible repayment
The financing doesn’t have a fixed repayment term. Repay when it suits you.
No collateral or guarantees
No need to secure the financing with any assets or personal guarantees.
No complicated approval
No complex checks or turnover requirements. You just need at least 20 employees.
Tailored for your industry
From agencies to construction and manufacturing — WageNow adapts to your business reality.
- Hospitality
Hospitality capital for extended client cycles.
From hotels to catering services, hospitality businesses often face long payment cycles from corporate clients or event organizers while needing to cover everyday operational expenses.
How our capital helps:
- Bridge long payment cycles to keep operations running
- Cover payroll and supplier costs before guest or event payments arrive
- Fund service excellence without waiting for reimbursements
- Support expansion with off-balance-sheet financing
- Construction
Access capital when contracts deliver, not when they pay.
Our off-balance-sheet financing keeps your business moving without covenant restrictions.
How our capital helps:
- Bridge payment delays to keep operations running
- Stay flexible during tenders and new opportunities
- Scale confidently without covenants or credit strain
- Invest in a new projects - we cover new people salaries
- Manufacturing
Manufacturing finance for extended payment cycles.
Your production never stops, neither should your capital access.
How our capital helps:
- Bridge B2B payment cycles to keep production moving
- Fund inventory while awaiting customer payments
- Hire new people - we pay 2 months of their salaries
- Stay flexible with covenant-free capital
Trusted by companies across industries
Get working capital in 7 days
We understand that fast access to capital is critical for SMEs.
Contact us
- How many full-time employees do you have (excluding temporary workers and contractors)?
- What are your costs for net wages?
- Are you interested in stable or seasonal financing?
Tailored offer
- We will respond within 48 hours and schedule an online meeting.
- We will prepare a tailored offer based on your company’s needs.
Available capital in your account
- Signing the necessary documents.
- We can release part of the capital immediately if needed, or after completing the employee onboarding process.
See how WageNow helps businesses like yours
Real stories of companies unlocking capital without financial stress.
EDO-KIN Restaurants
Company size
120+ employees
Industry
Hospitality / Restaurant Chain
Discover how EDO-KIN used WageNow’s flexible financing to open a new restaurant without cash flow strain — securing £150,000 in capital while keeping operations stable and growth-focused.
Frequently asked questions
Everything you need to know before applying for WageNow financing.
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.
Still have questions?
We’re here to help — write to us at
