LOAN OPTIONS · BUSINESS FINANCE
Malipiro Payroll Finance
For employers considering finance for payroll: explain the timing gap, the payroll obligation and the business income expected to repay the facility.
At a glance
PURPOSE
A defined purpose, a realistic budget and the income available for repayment.
PREPARE
Confirm the current product requirements and document checklist with KFC.
Ask for current eligibility, amounts, pricing and repayment terms.
Understand the option
Start with a clear purpose
Identify the payroll period and amount required. Ask which business payroll financing arrangement is available and how the employer’s obligations would be documented.
Prepare for the discussion
Prepare payroll totals through an approved secure channel, business cash flow and the source of repayment. Do not upload employee-level personal information in an initial enquiry.
Consider the commitment
Payroll finance creates a borrowing obligation for the agreed borrower. Confirm who is liable, how funds are paid and what happens if business income is delayed.
Know the offer before deciding
Ask for the current product requirements and a written explanation of the net amount received, interest, fees, total repayment, payment dates and any security or guarantee. Lending is subject to assessment and agreed terms.
Prepare your business and your skills
Use your cash forecast alongside the voluntary skills assessment. Your results can help you choose training and discuss business support with KFC.
Know the commitment before you accept
Request the current product Key Facts Statement. Your written offer and repayment schedule should make the figures and obligations clear.
01 · NET PROCEEDS
What you receive
Check the approved amount, upfront deductions and the money actually available to you.
02 · FULL COST
What you pay
Check the interest rate and calculation method, compulsory fees, insurance and total repayment.
03 · OBLIGATIONS
What you commit to
Check payment dates, any collateral or guarantee, late-payment consequences and early settlement.
What happens next
01
Start the conversation
Prepare an email enquiry, then send it from your own email service. You can also call KFC.
02
Prepare for assessment
The team confirms product availability, requirements and how to provide documents. Ask when to expect an update.
03
Review before deciding
If approved, read the written offer and payment schedule. Ask questions before accepting.
An enquiry does not commit you to borrowing. Approval and a payment date are not guaranteed.
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