It’s Tuesday afternoon, and payroll is due Friday. You've checked your accounts three times, hoping the numbers would change. They haven’t. Between delayed client payments, unexpected material costs, and an equipment breakdown, you're $47,000 short. Your crew is counting on you. They have mortgages, car payments, and families to feed. Missing payroll doesn’t just hurt morale, it triggers a mass exodus of your best workers, damages your reputation permanently, and exposes you