01
We Solve the Payroll Gap
You pay workers Friday, but clients pay net-30 to net-60. Our funding bridges this fundamental cash flow challenge of staffing.
Capital That Keeps Your Placements Paid
Staffing agencies pay workers weekly while clients pay monthly. We provide funding designed to bridge this gap—so you can meet payroll, grow your placements, and never turn down a good opportunity because of cash flow.
- Funding from $25,000 to $1,000,000
- Same-day payroll solutions available
- We understand staffing industry economics
What You Need to Qualify
$30,000+
Minimum Monthly Revenue
6+ months
Established Business History
How much funding do you need?
Drag the slider or type an amount
$
$20K$5M
Only Takes 30 Seconds
Applying is free and won't impact your credit score
From Application to Payroll Coverage Fast
01
Quick Application
Share your staffing specialty, client base, and what you need funding for. We understand temp, permanent, and contract placement models.
02
Fast Review
We assess your business with knowledge of placement economics, client payment cycles, and the unique cash flow challenges of staffing.
03
Choose Your Terms
Review funding offers designed for staffing. Choose structures that align with your payroll schedule and client payment timing.
04
Meet Payroll
Funds arrive quickly—often same day. Meet this week's payroll, take on that new client, or expand your placement team.
Why Staffing Agency Owners Choose Us
Funding Built for Staffing Agency Realities
Whether you need to cover weekly payroll, fund a major client expansion, or simply bridge the gap until invoices pay, we have solutions designed specifically for staffing.
Staffing agencies have the most challenging cash flow in business. You must pay workers weekly while clients pay monthly—or slower. Every new placement increases the gap. We have spent years specializing in staffing finance because we understand that your biggest opportunities create your biggest cash flow challenges.
Staffing Agency Funding Overview
We offer products specifically designed for staffing economics. Invoice factoring converts billings to cash. Payroll funding covers workers. Working capital supports growth. Most agencies use a combination.
Most staffing agencies qualify for multiple products. Your funding advisor will help structure the right combination for your agency's needs.
- Loan Amounts
- $25,000 to $1,000,000
- Rates
- Starting at 1% per invoice
- Terms
- Revolving to 2 years
- Speed
- Same day to 3 business days
Financing Options for Staffing Agencies
Different staffing needs call for different solutions. Here are the products staffing agencies use most frequently.
- Staffing Invoice FactoringConvert your approved staffing invoices into immediate cash. Get paid when temps work, not 30-60 days later. The core product for staffing growth.
- Payroll FundingDedicated capital to meet weekly payroll obligations. Never miss a pay cycle regardless of when clients pay their invoices.
- Business Line of CreditAccess capital for recruiting costs, office expansion, or unexpected opportunities. Draw what you need and repay as invoices pay.
- Revenue-Based FinancingFunding tied to your placement revenue with payments that scale with your billings. Higher payments when busy, lower during slow periods.
- Agency Growth LoansStructured financing for opening new markets, acquiring smaller agencies, or major expansion initiatives. Predictable payments for strategic growth.
How Credit Affects Staffing Agency Financing
Your personal credit score is one factor, but not everything. We evaluate the complete picture: placement volume, client quality, invoice portfolio, and overall agency performance.
- Quality clients with strong payment history matter most
- Consistent placement volume demonstrates stability
- Diverse client roster reduces concentration risk
- Your agency's operational track record counts
Good news
Staffing agency owners with credit scores in the 500s regularly qualify for funding when they demonstrate solid placement volume and quality clients. Your client quality often matters more than your personal credit.
Strong Credit Profile
Access to lowest rates, highest advance percentages
760Score
Challenged Credit
Multiple options available based on client quality
502Score
Staffing Industry Funding Insights
30-60
average days for staffing clients to pay invoices. Meanwhile, you must pay workers weekly. Our funding bridges this unavoidable gap.
Source: American Staffing Association
$215B+
annual US staffing industry revenue. Growing demand for flexible workforce solutions creates opportunities for well-funded agencies.
Source: Staffing Industry Analysts
90%+
of staffing agencies use factoring or payroll funding. External financing is standard practice in the staffing industry.
Source: Industry Survey
Evaluating Staffing Agency Financing
Pros
- Never miss payroll regardless of client payment timing
- Grow placements without cash flow constraints
- Take on larger clients and bigger orders
- Scale during seasonal demand spikes
- Expand to new markets and specialties
- Build credit history for better future terms
Cons
- Factoring fees reduce overall margin
- Some programs have minimum volumes
- Personal guarantees typically required
- Client creditworthiness affects terms
Compare Staffing Funding Options
| Loan Type | Max Amount | Rates | Speed |
|---|---|---|---|
| Invoice Factoring | $25K to $5M | 1% to 4% per invoice | Same day |
| Payroll Funding | $25K to $500K | 1% to 3% monthly | 24 to 48 hours |
| Business Line of Credit | $25K to $5M | 1% to 3% monthly | 1 to 3 days |
| Revenue-Based Financing | $25K to $500K | 1% to 5% monthly | 1 to 3 days |
Staffing Agency Qualification Requirements
- Monthly Billings
- $25K+
- Credit Score
- 500+
- Time in Business
- 6+ months
Get Funding for Your Staffing Agency
Apply today and receive funding decisions quickly. Our team specializes in staffing agency financing and understands your payroll challenges.
Start Your ApplicationStep 1: Apply Online
Complete a short application about your agency, including your specialty, monthly billings, and funding needs.
Step 2: Submit Documents
Upload recent bank statements, an aging report, and client information. We review with understanding of staffing economics.
Step 3: Get Funded
Review your offers, choose the best fit, and receive funds. Many staffing agencies get funded the same day.
Staffing Agency Funding Products
Explore specific financing options available for your staffing agency.
Related Industries We Fund
We also specialize in financing for these related industries.
FAQs
Staffing Agency Financing Questions
We fund healthcare staffing, IT placement, light industrial, administrative, clerical, executive search, and all staffing specialties.
You submit invoices to us after placements work. We advance you 80-95% immediately, then collect from your clients and remit the balance minus fees.
Programs vary. Some require factoring all invoices from participating clients, while others offer spot factoring for specific invoices.
Yes, in most staffing factoring arrangements, clients are notified to pay the factoring company directly. This is standard in the staffing industry.
Most staffing factoring is recourse, meaning you guarantee the invoice. However, we evaluate client credit and help you avoid problem accounts.
Many agencies receive same-day funding for approved invoices, ensuring you can meet payroll on time every week.
For factoring, your clients' creditworthiness matters most. For other products, your credit matters but is balanced against agency performance.
Basic requirements include bank statements, an accounts receivable aging, and client information. More established agencies qualify for better terms.
Ready to Grow Your Agency?
Whether you need payroll funding, invoice factoring, or growth capital, our team specializes in staffing agency financing and understands your unique cash flow needs.
How much funding do you need?
Drag the slider or type an amount
$
$20K$5M
Only Takes 30 Seconds
Applying is free and won't impact your credit score