you need to have atleast 1 to 2 months of employee salaries in your backpack, taking loan is one solution. Other option i give to you as - alter your salary giving dates, i.e. when you get payment on 31st of a month and you need to pay on 15th and 31st of a month, your problem is paying on 15th. you do one thing, instead of 1 to 31st cycle, chose your salary cycle as 15th to 14th for every month. So from 15th to 31st you will get payment and have enough money to pay on 31st and 15. I hope i have cleared, still doubt then ask me !!!