Section 1 of 3 · Payroll scale
The Friday Test
Your workers get paid Friday. Know whether the payroll behind it is costing too much, relying on fragile delivery or holding the agency back. Three short sections build the FRIDAY picture; funding remains one supporting part of the payroll review.
Add matching context, it personalises your result
Add valid worker numbers, select the count and cost basis, and enter either a weekly total or average worker pay. If the count is not unique workers, add the duplicate percentage too.
Section 2 of 3 · Payroll model
How Friday runs today
Show us how workers are engaged and who currently runs payroll. This gives Kingsway the workforce shape needed to compare the right payroll routes.
Salaries, software, BACS, and anything you buy in. Leave blank if you do not know it, and we will not invent it.
Why this matters: since 6 April 2026, an agency contracted directly with the end client can be held jointly and severally liable for an umbrella’s unpaid PAYE. It cannot be contracted away, and it has been accruing for weeks.
The scenario is an illustration from your own figures at a conservative rate, not a debt, and it does not suggest any provider has failed to pay. Establishing whether it applies to your chain is exactly what this review is for, and it is cheaper to find out here than to find out later.
The engagement figures must total 100%. Tell us who could run Friday’s payroll, and how much of your work is direct with the end client.
Section 3 of 3 · Cost, delivery and funding
Complete the payroll picture
Three short blocks: what it costs, how Friday actually runs, and the funding behind it. Everything feeds the map on the next page.
What it costs you today
Your own cost, not worker pay and not an umbrella margin. Unknown is fine.
Kept separate. It comes out of assignment income, not your P&L.
Sixty seconds on Friday itself
The funding behind it
Supporting context only. If you use invoice finance, we calculate what the facility is costing and can benchmark it separately if you want us to. Funding introductions are limited to limited companies and LLPs; nothing goes to a funder without your separate say-so.
Optional facility cost check
Two figures add the facility cost to F. Use the detailed route only if you already have the provider statement or terms to hand.
This is the share of the cash gap the facility actually covers, not the percentage of invoices assigned and not the contractual advance rate.
Enter the combined annual percentage cost you want tested. If some service, minimum, unutilised or renewal fees sit outside that rate, use the detailed figures route instead.
Calculation: average operating cash exposure × percentage funded × annual funding rate. The exposure is the headline cash-gap figure calculated from weekly full cost and client payment days.
Include the reference or base rate and the provider’s margin.
First facility
This asks Kingsway to act on the problem with you. It does not permit us to send your information to a funder or any other third party. We ask separately before a focused introduction.
Select how payroll is funded and the client payment days. If you started the facility cost check, complete both figures or clear them.
The Friday Test verdict
Keep the setup. Fix the weak point.
What needs attention
What a better-fit provider changes
Let’s put the right payroll route against this
We will validate the number, identify the provider route most likely to improve these points and tell you plainly whether to stay, fix or move.
Put your result in front of our payroll team
Where a move is right, you receive one primary match and one reserve—not calls from a panel.
Book my payroll reviewKingsway is a commercial broker and introducer. A provider may pay us if an introduction leads to business; we disclose the basis before you approve one.
See the full Friday Test and workings
Funding behind payroll
Payroll responsibility
Payroll integration
Payroll delivery
Payroll economics
Worker pay experience
Assumptions used. Change any of them and the figures update.
Fee figures are illustrations, not quotes. The result never treats a worker-borne umbrella margin as agency profit.
These are editable, experience-based scenarios. At the defaults, the two-seat benchmark is £68,000 and the separate senior-time scenario takes the combined operating illustration to about £79,000. The number of trained people able to run payroll is a resilience answer, not evidence that they are dedicated payroll employees. Senior review time is shown separately and is never treated as fully removed by outsourcing.
Rolled up holiday pay is lawful for irregular hours and part year workers, so a lot of weekly pay figures already contain it. If yours does, say so or this page counts it twice.
Statutory figures are the published 2026/27 rates at the time of writing and change each April. The umbrella PAYE percentage is a deliberately conservative scenario rate, not evidence of an underpayment. Pension opt-out is a working assumption. Funding figures use only the amounts or terms you entered. Everything here is illustrative and should be checked before it is relied on.
Nothing has been sent anywhere. The Friday Map was calculated inside your browser and disappears when you close the tab unless you print it or request the memo.
Last step
Where should we send it?
Requesting the memo puts the evidence in front of the Kingsway team. Within one UK working day, we will return the human view: Stay, Fix or Move, identify the connected problems worth solving and offer a direct conversation about the route forward. No provider receives your details unless you separately approve an introduction.
Submitting sends the review to Kingsway only. We use it to prepare and discuss the memo and relevant options across payroll, funding and workforce infrastructure. We do not share it with a provider without asking you first. Privacy & legal.
Please add your name, agency and work email.