Cash for the business. Pay before payday for the team. Care for everyone.
One partner, and the business runs better.
Industries we know well
Everyone is waiting, and the business pays for the wait.
Money already earned sits out of reach on both sides of the same business, and both ends of that land back on you.
The business waits 60 days
Work delivered, invoice sent, cash locked up by timing. Payroll does not wait with it, and neither does the next job, which gets turned down because the money to start it is tied up in the last one.
The team waits two weeks
Something breaks mid-period, and the options close by take more than they give.
Care waits until it is bad
People do get care. They get it once it is severe, when the thing that was simple in March has turned into weeks off and a bill nobody planned for.
One partner, on both sides of the business.
Money and care should arrive when they are needed, not when the calendar allows. That is the whole idea, in six products and one relationship.
For the business
Money the business is owed, and money it owes, on better timing.Invoice factoring
Send the invoice, take most of the value now instead of waiting on the customer.
Premium finance
A down payment, then monthly installments across the policy term. Same coverage.
Turned on by the business, used by the team
For your team
Turned on once. The team opts in. Nothing to fund or administer.Pay access
Money they have already earned when they need it, a fair loan when the need is bigger than a paycheck, and somewhere for all of it to land.
Health access
A doctor the whole household can reach early, so care happens when something is small rather than when it is severe.
It all ties back to one thing.
Cash the business can count on, and a team that can handle a bad week. Both show up in how the business runs.
Get paid for work you have already delivered.
Waiting 60 days to get paid is a loan you gave your customer for free. Turn outstanding invoices into cash now instead.
- Cash against work already delivered
- No new debt on the books
- Scales with your receivables, not your credit
Pay the insurance monthly. Keep the rest of the cash working.
Commercial insurance is one of the largest single bills a business faces. Premium finance turns that one hit into predictable monthly payments.
- Same policy, same coverage, different schedule
- Approved within 24 hours, so the policy starts on time
- Available in our current markets, expanding
Everything your team needs between paychecks.
Their pay early, a fair loan when it is bigger than that, and a card without the fees. Money they have already earned, reachable on the day something goes wrong rather than the day the cycle allows.
- Runs on the payroll system you already have
- No credit check for the team to qualify
- No cost to the business to make it available
Give your team a doctor they thought they could not afford.
A membership that covers everyone at home. A doctor in minutes at no cost per visit, a therapist, and cheaper prescriptions. They sign up themselves, and there is nothing for you to set up or pay.
Virtual Healthcare, presented by Legacy Healthcare Solutions. This is a healthcare membership, not health insurance. It provides access to virtual care, discounts, and support services and does not replace a health insurance policy.
What running better actually looks like.
Some of it comes from the cash side and some from the team side. All of it shows up in the same place, which is how the week actually goes.
From cash flow
Payroll is covered whether or not the customer paid
From cash flow
The next job stops waiting on the last one
From pay access
Fewer shifts lost to problems that had nowhere to go
From pay access
Trained people stay when the help they need is already here
From pay access
Nothing to roll out, and the team signs itself up
From health access
Small health problems stop turning into lost weeks
None of this is a rare situation.
The waiting we described is the normal condition for most small businesses, and for most of the people who work in them.
Federal Reserve Banks, Small Business Credit Survey, 2025 Report on Employer Firms. PNC Financial Wellness in the Workplace Report, 2025, based on a survey of 1,000 US workers. Federal Reserve Survey of Household Economics and Decisionmaking, 2025.
Nobody else does both sides.
Cash flow financing exists. Pay tools exist. One partner doing both, connected, for a business this size, does not.
| Patch Systems | Factoring company | Pay tools provider | Bank line of credit | |
|---|---|---|---|---|
| Cash flow for the business | No | |||
| Pay between paychecks | No | No | ||
| Care for the household | No | Rarely | No | |
| Built for a business this size | Rarely | Rarely | ||
| Works with the payroll you already run | No | No | ||
| Add more later without starting over | No | Rarely | No | |
| One relationship, not several | No | No | No |
Curious what this would look like in your business?
You do not need a problem picked out first. Tell us how the business runs and we will walk through which parts fit, what they change, and what they cost.
Nothing to prepare, and nothing to commit to.