Our Editorial Team
Independent writers with real expertise in business credit cards, payroll funding, and small business cash flow. Every article is fact-checked against current issuer and service terms.
Marcus Chen
Marcus covers business credit cards, payment processing, and rewards optimization through the lens of two decades spent in markets, business operations, and financial analysis. His approach is math-first — he runs the break-even calculation on every strategy before it's published, treating rewards programs with the same skepticism he'd apply to any trading setup.
Rachel Okafor
Rachel writes about the cash flow realities of running a small business — payroll funding, accounts payable timing, working capital, and the real-world tradeoffs owners face between rewards and risk. Her background combines corporate finance experience, hands-on entrepreneurship, and two decades of editorial work covering the intersection of money and operations.
Our Editorial Standards
Every article on PayrollByCreditCards.com is researched, fact-checked, and reviewed against the current terms of the services and credit card issuers discussed. We disclose all affiliate relationships and refuse to recommend products that don't meet our "would I use this with my own money?" test. Read our full affiliate disclosure.