Keep your business healthy.

COVID-19 proof working capital.

COVID-19 consequences for businesses

The Coronavirus crisis is expected to negatively affect almost all US businesses in the next weeks and months.
If your business revolves around providing a service, you should get prepared for a temporary drop in receivables, due to a decrease in retainers and/or the hold on new projects.

This upcoming slowdown in business activity is expected to cause cash flow challenges for small business across the nation in the next 3-6 months. Given the high number of businesses that will be affected, there will be higher competition for quality working capital, given the recent surge in loan applications.


Our commitment to small businesses

Salaryo is a financial technology company that provides financial stability and flexible financing options to small business owners who experience income uncertainty. We aspire to be the leading financial services provider for the self-employed, for entrepreneurs and for small businesses.

In these unprecedented times, we are offering a new business loan plan with a 6 month grace period, to help small businesses weather the storm  

6 month grace business loan

Get funded today and start repaying in 6 months!

Designed for COVID-19

Our 6 month grace term loan was designed to help small businesses to stay on course in the near term with affordable, flexible working capital.

Flat-fee subscription

Forget complicated interest rates and legal jargon. Only pay a FLAT FEE starting $10/month for every $1,000 of financing.

Transparent and flexible

No shocking hidden fees, know exactly what you pay.
Early repayment is welcome, at no extra cost.

Trusted by founders

Within a short span of time, we’ve quickly become the trusted financial backbone for a huge number of businesses. Join Salaryo today.

New businesses welcome

Our financing options are available for both new and seasoned businesses. Even if you’re just getting started, you’ve come to the right place.

Fair, affordable rates

The flat fee translates into an extremely competitive rate, ranging between 12% to 25% APR. That’s it.

Get funded. It's uber simple.

With Salaryo, you can apply for financing anywhere, anytime. Sign up in 3 minutes and receive your funds in 1 business day


Your business
Tell us about you and your business


Share financials
Provide checkable financial records


Get funded
If there’s a match, funds are received in 1 business day!

You might be wondering (FAQs)

1. I own a relatively new and small business, do I still qualify to apply?
Yes! It doesn’t matter whether your business is new, old, small or large. You can apply to use Salaryo’s services.

2. Can I still participate in Salaryo’s Deposit Coverage Program if I already paid my security deposit?
Yes, if you paid your security deposit, Salaryo will help you redeem it so you can get those funds back

3. My credit score is not great. Does it matter?
No, Salaryo’s approval process does not rely on your credit score.

4. Am I restricted to your locations and listed workspaces only?
You’re free to choose your own desired workspace within the US

Get funded today and start repaying in 6 months


Accepted cards


The company adheres to strict industry standards for payment processing, including: 128-bit Secure Sockets Layer (SSL) technology for secure Internet Protocol (IP) transactions. Industry-leading encryption hardware and software methods and security protocols to protect customer information. Compliance with the Payment Card Industry Data Security Standard (PCI DSS).

You can pay at with confidence. We have partnered with Authorize.Net, a leading payment gateway since 1996, to accept credit cards payments safely and securely for our customers. The Authorize.Net Payment Gateway manages the complex routing of sensitive customer information through the electronic check and credit card processing networks.

Copyright © All rights reserved to Salaryo Inc. 2020
To apply for our services you must be (a) US-registered commercial entity and (b) existing or prospective member of a shared workspace and (c) above the age of 18 and (d) resident of the United States of America or its territories and (e) have a valid US bank account, and (f) have a valid SSN/EIN/ITIN.