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The "pay stub method" allows business owners to secure more funding than traditional employment methods. When applying for funding, proof of income is typically required, often through pay stubs or bank statements. Business owners can set themselves up as W-2 employees through ADP, a payroll company servicing a majority of U.S. payroll needs. By using ADP, owners can create legitimate pay stubs. They can pay themselves monthly using business credit cards through a service called Plastiq, generating valid income proof for banks. This method sidesteps potential consequences associated with fraudulent pay stubs.
