New York, NY - For small businesses operating in seasonal or cyclical industries, meeting payroll during slower periods can be one of the greatest financial pressures. Fixed loan payments, regardless of revenue, often force owners into difficult decisions that can impact staff retention and business stability. FundKite is addressing this challenge with payroll funding solutions for small business through its Revenue-Based Financing model - designed to protect cash flow and ensure consistent employee compensation even when sales fluctuate.

Unlike traditional loans that require fixed monthly payments, FundKite structures its working capital as a purchase of future account receivables, not debt. Repayment is calculated as a percentage of the business’s Gross Sales, meaning payments rise when revenue is strong and decrease automatically during slower periods. Importantly, there is no minimum payment required, offering built-in protection during off-seasons or temporary sales interruptions.

“Payroll doesn’t stop just because business slows down,” said Alex Shvarts, CEO of FundKite. “Owners want to take care of their teams without putting the business at risk. Our revenue-based structure ensures that payroll funding adjusts with sales, so businesses aren’t crushed by fixed obligations during their slowest months.”

This flexible approach makes FundKite’s payroll funding for small business especially valuable for companies in hospitality, retail, tourism, food service, and other industries where revenue can vary dramatically throughout the year. During peak seasons, businesses naturally contribute more toward repayment. When demand softens, the payment obligation scales down - freeing up cash to cover wages and essential operating costs.

“Cash flow protection is everything when you’re managing a team,” Shvarts added. “By removing minimum payments and tying repayment directly to sales, we give business owners breathing room. They can keep employees paid and focused, instead of worrying about making a fixed loan payment when revenue dips.”

FundKite’s working capital is commonly used for:

• Payroll Management - ensuring employees are paid on time, every pay period
• Bridging seasonal slowdowns - maintaining staff during off-peak months
• Managing temporary cash flow gaps - while awaiting receivables or customer payments
• Stabilizing operations - without resorting to high-risk, fixed-payment debt

Because FundKite’s products are not loans, businesses avoid traditional interest rates, amortization schedules, and maturity dates. Instead, owners receive upfront capital and deliver an agreed-upon portion of future receivables until the total amount is satisfied - creating transparency and predictability without rigidity.

This model is particularly appealing to business owners who prioritize employee retention and operational continuity. In tight labor markets, the ability to maintain consistent payroll can be a decisive advantage - helping businesses retain skilled staff and avoid costly turnover.

As economic uncertainty and seasonal volatility continue to challenge small businesses, access to flexible payroll funding has become essential. FundKite’s approach offers a modern alternative - one that aligns financing with real revenue performance and protects the people who keep businesses running.

For business owners seeking payroll funding for small business that safeguards cash flow and eliminates fixed-payment stress, FundKite delivers a practical, resilient solution.

For more information about FundKite’s revenue-based working capital solutions for payroll management, visit FundKite.com

Media Contact

Name
FundKite
Contact name
Alex Shvarts
Contact phone
(877) 502-5003
Contact address
2 S. Biscayne Blvd #2350
City
Miami
State
FL
Zip
33131
Country
United States
Url
https://fundkite.com/