Payroll and HR platforms see employers fail in slow motion: they ask to delay a run, they skip a tax deposit, they cut hours. That is a capital problem and a compliance problem. If you respond with a consumer-style “earned wage” story for the business owner’s company, you have mixed products. Business funding is a business application. Keep it there.
Loanable embedded solutions send the employer to a branded or co-branded apply flow with a unique partner link. Loanable is not a lender. 150+ lenders. 50/50 of Loanable profit on funded deals, Monday ACH, no minimum. This is not Loanable becoming your payroll engine. This is a funding marketplace next to a payroll moment.
Place it on employer cash, not on employee wallets
The CTA belongs on the employer’s billing or cash-flow related surfaces, with copy that this is business funding. Do not attach it to an employee’s paycheck view. Do not tell employees their employer’s loan was approved. Do not use the 24-hour working-capital possibility as a reason to delay a statutory payroll tax. Your product still has to run payroll correctly even if the application is in progress.
- Employer-admin context only
- Ref code preserved from the admin session into apply
- No “we funded payroll” toast
- Support scripts that separate payroll errors from lender questions
What you should not integrate
Do not build a fake draw-down against payroll volume through an API Loanable does not offer. Do not auto-debit employees. Do not treat marketplace matching as a line of credit you control. If a lender funds working capital as soon as 24 hours, that money lands with the business per that lender’s process, not as a silent top-up of your payroll wallet unless you have a completely separate, real product.
Product range still matters
Some employers need a short working-capital match. Some need term. A few might be in a size conversation up to $50M. Your payroll SKU should not assume a single MCA script. Deep-link when you know; otherwise send the base apply URL with your partner code.
Incident response when a customer mixes the products
They will write in saying “your payroll loan failed.” Your macro should split the thread: payroll processing issues here, funding application status is a marketplace/lender question there. If you answer both in one heroic paragraph, you now own a credit complaint. Loanable is not the lender. You are not the lender. Keep the queues split even when the customer used one button.
Add a post-incident note in the admin UI: funding is optional, payroll still runs on your product’s rules, some working capital funds as soon as 24 hours, nothing about that delays tax deposits. 50/50 Monday ACH is internal. 150+ lenders is the coverage sentence. unique partner link must still be on the employer-only CTA after you patch the copy.
If you sell payroll in multiple countries, keep this CTA on U.S. business entities only. Loanable is a U.S. business funding marketplace. Do not show the button on a Canadian or UK legal entity screen just because the same HRIS tenant holds them. 150+ lenders, 50/50 Monday ACH, and partner-link attribution assume a U.S. application. Working capital as soon as 24 hours is not a cross-border product promise.
Help employers on cash timing without becoming their bank. Look at Loanable embedded solutions and add an attributed apply flow beside payroll admin, not inside employee paystubs.