Never miss
payday.
Payroll Runway is a line of credit built right into Powerpay. Cover this week's payroll now, and repay on a schedule that fits your cash flow — one flat fee, no interest, no surprises.
Payroll RunwayThis pay run · Jul 14–18
$24,860.00
Built for the 46,000+ Canadian businesses that run payroll on Powerpay
Connect once, that’s it
Link your bank with a secure, read-only connection in under a minute. Paired with your Powerpay payroll data, that’s all it takes to see your amount — no forms, no paperwork.
Pricing you can see
One flat fee, shown to the penny before you agree to anything. No interest, no late fees, nothing added later.
Repayment that flexes
Split it across 4, 8, or 12 payments that line up with your pay schedule — collected automatically, so there’s nothing to remember.
A slow week shouldn't cost you your team
A big invoice pays late. A slow month lands right before a pay run. The money is coming — it's just not here yet. Payroll Runway smooths the gap so payday always happens on time.
Cash flow is lumpy
Revenue rarely lands on the same day payroll is due. The timing gap is the problem — not your business.
Missing payday is expensive
Late pay breaks trust and pushes good people out the door. Replacing them costs far more than a bridge.
Bank loans are too slow
Term loans and lines take weeks and paperwork. Payroll is due Friday. You need an answer today.
How it works
From short on cash to payday covered — in minutes
Connect and get approved in minutes
Powerpay already knows your payroll. Add a secure, read-only bank connection, and we use both to approve your credit line in minutes — no lengthy application, no paperwork.
Cover a payroll in one click
When cash is tight, tap “Cover this payroll” right inside your pay run. The funds go straight to funding your run so every employee is paid on time.
Repay on your schedule
Split repayment over 4, 8, or 12 installments, aligned to your pay schedule. Payments are collected automatically — nothing to track.
Fair by design
Payroll Runway is built to get you through a tight week — not to trap you in one. Every part of it is transparent.
One flat fee
A single financing fee, disclosed upfront and split evenly across your repayments. No interest, ever.
No interest, no late fees
The price you see is the price you pay. Nothing compounds and nothing is added if timing slips.
Flexible repayment
Choose 4, 8, or 12 installments to match how your revenue actually lands.
Limits sized to your payroll
Your available amount is based on your real Powerpay pay runs — so it’s right-sized and there when you need it.
No credit check
We underwrite from your Powerpay payroll and connected bank activity — not a personal credit pull. Your score is untouched.
Built for payroll
Funds go straight to covering a Powerpay pay run — so the money always does exactly what you need it to.
Transparent pricing
Know the cost before you accept
One flat fee, shown to the penny, split evenly across your repayments. No interest accrues and nothing is added later — the amount you agree to is the amount you repay.
- See the exact fee before you agree to anything
- Repayments come out automatically on payday
- One fixed cost — it never grows or compounds
Illustrative example. Actual fee and limit depend on your Powerpay payroll history.
One place for everything
Your capital, managed inside Powerpay
Track active advances, upcoming deductions, and available credit at a glance — right where you run payroll. No third-party portal, no logins to chase.
Drawn
$18,000.00
Payroll Runway · drawn Mar 13, 2026
Paid
$6,660.00
Remaining
$11,340.00
Flat fee
$432.00
May 8
Payroll Runway · installment 4/6
May 22
Payroll Runway · installment 5/6
Jun 5
Payroll Runway · installment 6/6
Available credit
$30,500.00
Auto-deduction · installment 3/6
Apr 10, 2026 · Payroll funding account
Payroll Runway funded
Mar 13, 2026 · Interac e-Transfer
Payday alert · balance below pay-run threshold
Mar 13, 2026 · Bank monitoring
Questions, answered
Eligibility is based on your Powerpay payroll history together with a secure, read-only connection to your business bank account. That combination lets us approve you in minutes — without a personal credit check or a lengthy application. Once approved, you'll see your available amount right in your pay run.
Payday, handled — every single time
See your available amount right inside Powerpay. No application, no credit check, no commitment.