Coast 2 Coast Payroll & Payments
Coast 2 Coast Payroll & Payments is a Florida-based brokerage connecting SMBs to third-party payroll, HR, payment processing, POS systems, payroll loans, and merchant cash advance providers, with specialization in high-risk industries and seasonal businesses across all 50 US states.
- Company typePrivate
- Founded2023
- HeadquartersMiramar Beach, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Coast 2 Coast Payroll & Payments does
Coast 2 Coast Payroll & Payments is a privately held financial services brokerage founded in 2023 and headquartered in Miramar Beach, Florida. The company operates as an intermediary that connects small to mid-sized businesses with third-party providers for payroll processing, human capital management, credit card processing, point-of-sale systems, HR compliance, payroll loans, and merchant cash advances. It does not process payroll or financial transactions directly; instead, it earns commissions, residuals, and transaction-based fees by routing clients to vetted partners including Asure Software (HCM/payroll), Bryte (payment processing and merchant cash advance), PayroFinance (payroll loans), and iSolved (alternative payroll platform). The brokerage distributes 35+ POS systems from vendors such as Dejavoo, Clover, HotSauce, SwipeSimple, TakeCharge, and Valor, with integrations across 100+ software systems.
The company's go-to-market combines direct inside sales (free Calendly consultations, interactive online payroll demo) with a channel partner network offering CPAs and banks/credit unions up to 50% revenue share plus ongoing residuals. Coast 2 Coast targets high-risk industries (cannabis via BryteWire terminals, high-risk staffing, roofing, logistics) that mainstream processors typically reject, as well as seasonal businesses needing short-term payroll funding. Pricing varies by product: payroll loans charge a flat 1.5% weekly rate on drawn funds, merchant cash advances are repaid as a percentage of daily credit card sales, and HR compliance services are sold in three monthly subscription tiers. Marketing emphasizes educational content (blog, free Foot Traffic Accelerator masterclass with 10,000+ reported attendees), SEO, and email nurture sequences powered by Kajabi.
Coast 2 Coast reports serving hundreds of clients across all 50 US states and Puerto Rico, with primary market concentration on Florida's Emerald Coast. The team combines 60+ years (per primary source) or 100+ years (per another source) of industry experience. The company has no disclosed institutional investors, parent entity, funding rounds, or publicly reported revenue. Riley Rolfson (MBA) is identified as the founder and primary leadership figure.
Coast 2 Coast Payroll & Payments firmographics
Firmographics- Name
- Coast 2 Coast Payroll & Payments
- Legal name
- Coast 2 Coast Payroll & Payments
- Website
- https://c2cpayroll.com
- Company type
- Private
- Founded year
- 2023
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Coast 2 Coast Payroll & Payments is a Florida-based brokerage connecting SMBs to third-party payroll, HR, payment processing, POS systems, payroll loans, and merchant cash advance providers, with specialization in high-risk industries and seasonal businesses across all 50 US states.
- Ownership category
- akta.pro rank
Coast 2 Coast Payroll & Payments industry classification
Industry- Product category
- Payroll and Merchant Services Brokerage
- NAICS
- Payroll Services (541214), Accounting, Tax Preparation, Bookkeeping, and Payroll Services (5412), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Payroll, Contractor Payments & SME HR Finance (FSAGAJAI)
- akta.pro secondary industry
- Employer Payroll Processing (SMB & Enterprise) (FSAMAKAA)
Keywords
Where Coast 2 Coast Payroll & Payments is headquartered
LocationHeadquarters
- HQ city
- Miramar Beach
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Coast 2 Coast Payroll & Payments business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Operations, Technology or R&D, Infrastructure
Revenue model
- Broker/Referral Commissions: Coast 2 Coast operates as a broker receiving compensation from partners (Asure Payroll, iSolved, Bryte, VizyPay) when clients choose their recommended third-party vendors. Also earns revenue share from CPA and bank/credit union referral partners.
- Credit Card Processing / Merchant Services: Provides credit card processing, POS systems, and merchant services. Offers zero-fee processing programs and cash discounting options. Earnings come from processing fees and interchange on transactions facilitated through their 35+ POS solutions.
- Payroll / HCM Services: Full-service payroll brokerage and HCM solutions (HRIS, HR consulting, applicant tracking, performance tracking, benefits administration). Revenue from service fees bundled with partner platforms like Asure Software.
- Payroll Loans: Short-term payroll loans powered by PayroFinance. Loans up to $500k with same-day funding. Revenue generated from the 1.5% weekly interest rate on drawn funds; free to enroll until funds are used.
- Business Capital / Merchant Cash Advance: Merchant cash advance repaid as a percentage of daily credit card sales. Revenue from the advance amount and associated fees. Qualification requires $5,000+ monthly processing volume.
- HR Subscription Services (3 Levels): Three-tiered HR subscription service (HR Support for Managers, Strategic HR for Managers, Total HR for All Employees) providing compliance, consulting, background checks, and training at different price points per level.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Level 1: HR Support for Managers |
| Subscription | Monthly | Level 2: Strategic HR for Managers |
| Subscription | Monthly | Level 3: Total HR for All Employees |
| Usage-based | Pay-as-you-go | Payroll Loans (Powered by PayroFinance) |
| Transaction based/ take rate | Pay-as-you-go | Business Capital / Merchant Cash Advance |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels9 records
Coast 2 Coast Payroll & Payments product offering
Product offeringCore offering
Coast 2 Coast Payroll & Payments is a full-service brokerage that connects businesses with third-party providers for payroll/HCM (powered by Asure Software), credit card processing (via Bryte/VizyPay), 35+ POS systems, HR compliance services, payroll loans (powered by PayroFinance), and merchant cash advance business capital. The firm operates as an intermediary broker rather than directly processing payroll or financial transactions, serving startups to enterprise businesses across all 50 US states and Puerto Rico with tailored solutions and partner referral programs for CPAs and banks.
Product overview
Coast 2 Coast Payroll & Payments operates as a full-service brokerage offering a comprehensive suite of payroll, payment processing, and human resources solutions for businesses from startup to enterprise across all 50 states. The core platform centers on Asure Payroll (HCM/Payroll) which provides payroll processing, tax filings, employee self-service, time and attendance, applicant tracking, performance management, and three tiers of HR compliance services. This is complemented by credit card processing merchant services with access to 35+ POS terminals including Dejavoo (D1, P1, P3, P5, Aura), Clover (Station, Mini, Flex), HotSauce, SwipeSimple, TakeCharge, TakeCharge Lite, Valor, iPOS, and Bryte. Additional offerings include payroll loans powered by Payro Finance (up to $500k same-day funding), business capital through merchant cash advances, and partnership programs for CPAs and banks with up to 50% revenue share. A free Foot Traffic Accelerator marketing masterclass rounds out the growth-focused services.
Differentiator
Problem solved
Functional benefit
Products and services
- Payroll/HCM Services (Powered by Asure) Full-service payroll and human capital management platform covering payroll processing, 100% tax compliance, garnishment management, direct deposit, pay cards, general ledger integration, ACA compliance, employee self-service, and time and attendance for businesses from startup to enterprise.
- Credit Card Processing / Merchant Services Payment processing services offering next-day and same-day funding, e-commerce, high-risk merchant support (including cannabis via BryteWire), loyalty and gift programs, mobile/wireless processing, and zero-fee or cash discounting programs for retail, restaurant, and service businesses.
Quantifiable outcome
- Workers' comp premiums reduced by up to 42% through PEO restructuring
- +7 more outcomes
Companies that use Coast 2 Coast Payroll & Payments
Customer profileNamed customers11 records
Segments8 records
Ideal customer profiles5 records
Coast 2 Coast Payroll & Payments technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
Feature4 records
Coast 2 Coast Payroll & Payments partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core.
- Asure SoftwarecoreAsure is the primary payroll/HCM platform partner powering Coast 2 Coast's payroll services. The platform provides payroll processing, tax filing, employee self-service, time & attendance, onboarding solutions, and ACA compliance. Asure is a publicly traded company with integrations to Equifax (The Work Number), ZayZoon (earned wage access), and TurboTax. C2C offers Asure's solutions through its CPA partnership program as well.
- BrytecoreBryte (BrytePay / BryteWire) is the primary credit card processing partner for standard and high-risk merchants, including cannabis dispensaries. Offers compliant processing for CBD/THC dispensaries through BryteWire terminals and Valor terminals. Also powers the Merchant Cash Advance / Business Capital program with no fixed payments, dynamic repayment tied to daily credit card sales, no collateral, and no credit check requirements.
- PayroFinancecorePayroFinance powers Coast 2 Coast's payroll loan product. Loans up to $500k with same-day funding, flat 1.5% weekly rate, no collateral required, free to enroll with no paperwork. C2C positions itself as the backup fund for payroll powered by Payro. Approval in 1-2 days with prequalification criteria of 5+ employees, 2+ years in business, and $25k+ average monthly revenue.
Scale indicators8 records
Recent moves6 records
Expansion highlights5 records
Coast 2 Coast Payroll & Payments competitors and assessment
Company assessmentDirect peers
- OnPay: OnPay provides cloud-based payroll, HR, and benefits services targeted at small businesses. Comparable to C2C's SMB payroll brokerage with similar pricing-tier structure and HR add-ons.
- Gusto: Gusto is a leading SMB-focused payroll, HR, and benefits platform serving startups to mid-market employers across the US. Directly comparable to C2C's payroll/HCM offering with a more proprietary, vertically integrated model.
- Toast: Toast provides integrated POS, payments, payroll, and lending for restaurants. Directly comparable to C2C's restaurant vertical POS (e.g., HotSauce, TakeCharge) and merchant services bundles.
- Patriot Software: Patriot Software offers affordable payroll and accounting software for small US businesses. Comparable to C2C's SMB payroll positioning and customer segment.
- Helcim: Helcim is a payment processor and merchant services provider offering transparent pricing and integrated POS. Comparable to C2C's credit card processing brokerage and POS aggregation model.
Broad incumbents
- Square (Block): Block/Square offers integrated payments, POS hardware, and merchant capital (Square Loans) to SMBs. Comparable to C2C's merchant services, POS, and capital offerings, but at massive scale with proprietary technology.
- ADP: ADP is the dominant global payroll/HCM incumbent serving SMBs through enterprise. Comparable as the platform behind much of C2C's CPA partner referral program and a key competitive alternative.
- Fiserv (Clover): Fiserv's Clover platform is one of the major POS systems C2C distributes. Comparable as an upstream platform partner and competitor to the merchant services bundle C2C assembles.
- Paychex: Paychex is a leading US payroll, HR, and benefits provider for SMBs and mid-market. Comparable incumbent competitor in the same SMB payroll customer segment C2C targets.
Emerging players
- BlueVine: BlueVine provides SMB financing including lines of credit and invoice factoring. Comparable to C2C's payroll loans and business capital/MCA offerings targeting cash-flow-constrained SMBs.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Coast 2 Coast Payroll & Payments social profiles
Digital presenceCoast 2 Coast Payroll & Payments financial estimates
Financial estimateRevenue estimate
Valuation estimate
Coast 2 Coast Payroll & Payments leadership team
Management profileNumber of profiles
Profiles2 records
Coast 2 Coast Payroll & Payments funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Coast 2 Coast Payroll & Payments M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Coast 2 Coast Payroll & Payments
What does Coast 2 Coast Payroll & Payments do?
Coast 2 Coast Payroll & Payments is a full-service brokerage that connects businesses with third-party providers for payroll/HCM (powered by Asure Software), credit card processing (via Bryte/VizyPay), 35+ POS systems, HR compliance services, payroll loans (powered by PayroFinance), and merchant cash advance business capital. The firm operates as an intermediary broker rather than directly processing payroll or financial transactions, serving startups to enterprise businesses across all 50 US states and Puerto Rico with tailored solutions and partner referral programs for CPAs and banks.
Is Coast 2 Coast Payroll & Payments a public or private company?
Coast 2 Coast Payroll & Payments is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Coast 2 Coast Payroll & Payments founded?
Coast 2 Coast Payroll & Payments was founded in 2023. It employs 11 to 50 people.
Where is Coast 2 Coast Payroll & Payments based?
Coast 2 Coast Payroll & Payments is headquartered in Miramar Beach, United States, in the North America region.
How does Coast 2 Coast Payroll & Payments make money?
Six revenue lines are on record. Broker/Referral Commissions are the primary driver. The others are credit Card Processing / Merchant Services, payroll / HCM Services, payroll Loans, business Capital / Merchant Cash Advance and HR Subscription Services (3 Levels).
Who are Coast 2 Coast Payroll & Payments's main competitors?
Direct peers on record are OnPay, Gusto, Toast, Patriot Software and Helcim. Broad incumbents are Square (Block), ADP, Fiserv (Clover) and Paychex. BlueVine is listed as an emerging player.
Does Coast 2 Coast Payroll & Payments have an API?
No public API is recorded for Coast 2 Coast Payroll & Payments.
What industry is Coast 2 Coast Payroll & Payments in?
Coast 2 Coast Payroll & Payments's product category is Payroll and Merchant Services Brokerage. Its primary akta.pro industry code is FSAGAJAI, Payroll, Contractor Payments & SME HR Finance, with a secondary code of FSAMAKAA, Employer Payroll Processing (SMB & Enterprise). Its NAICS code is 541214 and its SIC code is 6163.