Gusto Money
Money in and money out, made clearer
Running a business can be unpredictable, but managing your money doesn’t have to be. Gusto Money brings your expenses, income, and borrowing needs under one roof—the same one you use for payroll. It’s the clearest picture of your finances yet.
One platform for bills, invoices, credit, and more
Payroll Bridge
Keep your employees paid on time, in full, with a payroll line of credit when you need it.¹
Invoicing
Streamline your accounts receivable with more payment options and visibility.
Bill Pay
Manage all of your outgoing payments in the same platform you use for payroll.
Payroll Bridge
Make payroll, even in a pinch
Unexpected expenses happen. With Payroll Bridge, you can apply for a line of payroll credit to make sure your team still gets paid in full.¹
Easy application
Apply fast and get a quick decision—no credit check required.
Flexible financing
Split your payments over 4, 8, or 12 installments to optimize your cash flow.
Transparent pricing
There's one flat fee (no interest or late fees), made clear up front.
Invoicing
Streamline the way you get paid
With Invoicing, you get more control over incoming payments to ensure money you bring in makes it to your team, faster than ever before.
Receive funds fast
Send customers your custom link to pay via bank transfer or debit/credit card. Get paid directly to your bank account in just a few clicks.³
See invoices more clearly
Track invoices from creation to payment in one dashboard. Gain even more visibility by automatically syncing your accounting software.
Create custom invoices
Easily generate your own branded invoice, email, and payment link, and reduce the risk of late payments with automated payment reminders.
Bill Pay
A clearer, more flexible way to pay your bills
With Bill Pay, you can track, manage, and pay bills and vendors in one centralized location—how and when you need to.
Pay bills in one place
Get one central dashboard with full visibility into your expenses, giving you more control over your cash flow.
Get more payment flexibility
Choose the payment method and speed that works for you. Your vendor can receive a bank transfer or check.²
Save time and cut costs
Stop juggling between platforms to pay your bills. Discover affordable payment options without required add-on fees.²
The Gusto Money Dashboard
See where you stand for payroll — before payday
The Gusto Money Dashboard pulls it all together — your cash balance, upcoming bills, and estimated payroll — so you can see where you stand and act before it's too late.⁴
Run payroll with confidence
Know where you stand before payday — so decisions feel deliberate, not reactive.
See the bigger picture
Cash on hand is only part of the story. Understand what’s coming next and what it means for you.
Plan ahead — without slowing down
When you can see what’s ahead, it’s easier to keep things moving and make decisions with greater confidence.
Questions? Meet answers.
You can use Gusto Money tools at no extra cost with your Gusto subscription — transaction fees may apply.², ³ If you want to unlock discounted transaction rates and extra workflow features, you can get the Gusto Money Plus add-on for $19/month. This gives you more control and efficiency when managing your cash flow. Learn more here.
Gusto Money brings your business finances into one place so you can see — and control — your money with more confidence. No more juggling multiple tools, logins, and subscriptions. From paying bills and sending invoices to bridging payroll cash flow gaps, everything works together to help you focus on your team and customers.
Think about how you already use Gusto — running payroll, tracking paydays, and keeping one of your largest expenses in check. Gusto Money builds on that foundation. Bill Pay gives you a clear picture of money going out.² Invoicing shows what’s coming in.³ And if there’s ever a gap before payroll, Payroll Bridge line of credit is available to approved customers to help you cover it quickly and affordably.¹ It’s all in one place, so you can see your business’ money without juggling extra tools.
Gusto Money includes access to Bill Pay, Invoicing, and Payroll Bridge line of credit today — with more features coming soon.¹, ², ³ All are designed to give you a clearer view of your money and help you manage it all within Gusto
Gusto Money lives right inside your Gusto dashboard. Just log in, open the Money tab, and choose the Gusto Money add-on to unlock all the tools, or start with the ones you need most — like Bill Pay, Invoicing, or Payroll Bridge line of credit.¹, ², ³ No new software to install, no extra setup headaches — just turn it on and start managing your cash flow. Some eligibility and application required — learn more here.
Yes. Gusto and our partners use bank-level encryption, multi-factor authentication, and strict security standards to keep your data and transactions safe.
¹ Gusto provides access to Payroll Bridge through our partnership with Parafin. Payroll Bridge is offered by Parafin, not Gusto. Gusto does not review applications, make credit or lending decisions, provide credit, service loans, or collect repayments.
All lines of credit are issued by Celtic Bank. All lines of credit and offers are subject to credit approval, identity verification, and are subject to periodic review and may change without notice. Lines of credit are governed by the Line of Credit Agreement and Parafin’s Privacy Policy. Bank transfers are subject to review.
All lines of credit are subject to application completion and review. Please also see Gusto’s terms.
THIS IS A LOAN SOLICITATION ONLY. GUSTO, INC. IS NOT THE LENDER. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS.
² Transaction fees apply and vary based on payment method and speed. See here for details. Bill Pay services provided by Melio.
³ Transaction fees apply and vary based on payment method and speed. See here for details. Invoicing services provided by Melio.
⁴ Gusto Money Dashboard's forecast is an estimate based on data from connected accounts and certain Gusto products you use. It may not reflect your complete financial picture, and actual results may vary. This information is provided for your convenience only and is not financial, tax, or legal advice. You are responsible for ensuring you have sufficient funds to meet payroll, taxes, bills, and other obligations on time. Please consult a qualified professional if you need advice.