Flexible short-term financing that helps employers cover payroll without delays or disruptions.
Ensure on-time salaries, protect employee trust, and provide fast, hassle-free access to funds — all without disrupting operations.
Ensure salaries are always paid on time — even when cash flow is delayed.
Keep business operations running smoothly without halting HR or finance activities.
Reliable payroll strengthens retention and eliminates stress across your workforce.
Unlike traditional loans, payroll loans require no paperwork — decisions are based on your payroll history.
From setting loan rules to instant Telebirr disbursement and automated payroll deductions, Demoz streamlines every step — making employer-supported loans effortless and compliant.
Submit a loan request when your payroll cycle is approaching and funds are insufficient.
Approved loan amount is sent directly to your payroll balance.
Payments are made monthly with the total interest
Set customizable loan rules, let Demoz handle the risk checks, approvals ensuring your team gets paid on time, every time, with zero disruption. Automate repayments, and track everything in real-time — from approval workflows to secure Telebirr disbursements — all without adding HR overhead.
Apply directly from the Demoz dashboard when funds are tight — no paperwork, no branch visits.
Demoz evaluates your payroll size, payment history, and risk profile to suggest available loan limits.
Approved funds go straight into your payroll wallet, ensuring employees get paid on time.
Track outstanding loans, repayment progress, interest, and due dates in a clear dashboard.
Join hundreds of businesses already using Demoz Pay to streamline their payroll operations.