Lesson 2 of 8
How the money moves: wages earned, the advance and repayment from payroll
An advance looks simple to the worker: money arrives now and less arrives on payday. Behind it, three parties exchange data and money on a fixed cycle. This lesson follows that cycle step by step in the two models, shows how the amount available is calculated, why speed carries a price, and what happens when repayment from pay falls short.
Published 15 October 2026 · Listen to this lesson
In this lesson
- The cycle in the employer-partnered model
- The cycle in the direct-to-consumer model
- How much can be drawn
- Timing, and why speed has a price
- When repayment from pay falls short
- Questions to ask about the flow of money