Payroll Bridge Disclosure

Payroll Bridge: Universal disclaimer

For Vermont residents: 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.

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 loans are issued by Celtic Bank. All loans and offers are subject to credit approval, identity verification, and are subject to periodic review and may change without notice. Bank transfers are subject to review.

All lines of credit are subject to application completion and review.

Please also see Gusto’s terms.

Grace period footnote:

Last update: Oct 3, 2025

The Payroll Bridge grace period (the “Grace Period”) waives the financing fee for eligible customers who repay their line of credit in full within three (3) calendar days of accepting the repayment plan by initiating an ACH transfer through Parafin by 11:59 pm PST and as required by the Advance Agreement Terms of Service with Parafin (“Advance Agreement”). Parafin’s offer will indicate if the line of credit qualifles for the Grace Period. While the first payment includes that installment’s portion of the financing fee, the entire financing fee will be waived if the plan is repaid in full within the Grace Period, subject to the Advance Agreement terms. Payments must be initiated manually via Parafin’s dashboard (next-day ACH only), with each repayment plan requiring a separate manual payment. If a customer has multiple outstanding repayment plans, older plans must be repaid first before any line eligible for the Grace Period, per the Advance Agreement, and only one line may be eligible for the Grace Period. If any ACH payment isn’t received within the Grace Period on the eligible line or any older outstanding repayment plans, the line of credit will be ineligible for the Grace Period, all financing fees apply per the accepted repayment plan(s), repayments resume as originally agreed, and Parafin reserves the right to apply received payments to older outstanding repayment plans first.