A clear, structured process from employee application to payroll deduction — with Small Pay handling the lending, while your business stays focused on payroll only.
This is not just a funding mechanism. It is a structured way to remove salary advance requests from your internal workflow and replace them with a clear external process.
Employees no longer need to ask managers, HR, or payroll directly when they need short-term support.
Every application follows the same defined process, rather than being handled differently each time.
Payroll’s role is limited to the deduction itself once the structure is in place.
This is the full journey from application through to repayment.
The employee applies directly through Small Pay when they need short-term financial support. This application is handled outside of your business.
Small Pay reviews the application using its own lending criteria and approval process. The employer is not involved in the lending decision.
If the application is approved, the loan is issued directly to the employee by Small Pay. No funds move through the employer.
A repayment plan is agreed and aligned to the employee’s payroll cycle so deductions can happen in a clear, predictable way.
The agreed repayment amount is deducted through payroll over time. This is the employer’s main role in the process.
The process only works cleanly if responsibilities are clearly separated.
Payroll is involved only where it needs to be: repayment.
Once the employer is set up, the payroll function is simple. Payroll applies the agreed deduction amount during the normal cycle and does not need to manage individual funding requests or ad hoc changes.
This keeps the role of payroll clear and contained. It avoids the disruption of off-cycle adjustments and removes the need for informal tracking.
The setup is straightforward and designed to work alongside your existing payroll structure.
We can walk you through the structure, the payroll setup, and what would be required on your side.
