Staffing
Fund weekly payroll while clients pay in 60+ days. Scale your placements, manage growth, and never miss payroll, without the cash flow squeeze.
Capital that understands staffing cycles and moves at placement speed.
The challenge
Payroll is Friday. Your client pays in 60 days. That is the math staffing agency owners live with every week.
You place 150 contractors at an average bill rate of $35/hour. Weekly payroll runs $210K. Your two largest clients pay on Net 60 terms. At any given time, eight weeks of payroll sits in outstanding receivables, roughly $1.7M in invoices you have earned but have not collected. The P&L shows a profitable, growing agency. The bank account shows a recurring crisis.
Every new placement widens the gap. A new 50-person contract adds $70K per week in payroll obligations before the first invoice is due. Growth, the thing every agency works toward, is the same force that creates the cash emergency.
Your Costs Are Weekly
Your Revenue Comes Later
The result
Missing payroll destroys employee trust, triggers regulatory action, and creates reputational damage that takes years to repair. In a labor market where contractors leave agencies that pay late, even the perception of payroll instability drives talent to competitors.
Sound familiar?
Secured a $500K annual contract with a healthcare system requiring 30+ temps weekly. Client pays Net 60. You need $80K+ bi-weekly for payroll before first payment.
Agency growing 40% annually. More placements mean more payroll every week, but cash conversion cycle can't keep up with growth rate.
Major client (30% of revenue) consistently pays at 75-90 days instead of Net 60. This delay cascades through your entire cash flow.
Q4 surge requires doubling temporary workforce. Payroll jumps from $100K to $200K weekly, but clients still pay in 60 days.
Opening operations in new city requires funding payroll for 3 months before building steady client base and cash flow.
Unexpected client payment delay or large contract started earlier than expected. Payroll is Friday and you're $50K short.
The toolkit
Different staffing challenges require different financing tools. Here's what works best for staffing agencies:
In practice
Healthcare Staffing Startup
IT Staffing Rapid Growth
Light Industrial Emergency
Multi-Branch Expansion
Tell us a little about your weekly payroll and client payment terms and we'll come back with real numbers: advance rate, fee, and timeline.
Same-day preliminary answer
The difference
Unlike most businesses with bi-weekly or monthly payroll, staffing agencies pay temps and contractors every week. This creates relentless cash flow pressure that intensifies with every new placement.
More placements = more payroll every Friday. But client payment timing doesn't change. Fast growth without financing creates a cash crisis, not a celebration. Traditional lenders often don't understand this dynamic.
Staffing agencies often have 1-3 clients representing 50%+ of revenue. Banks get nervous about concentration. We understand this is standard in staffing and structure financing accordingly.
When payroll is Friday and you're short on Wednesday, you need capital in 48 hours, not 6 weeks. Staffing agencies need financing partners who move at payroll speed.
Healthcare facilities and government agencies are excellent clients with great credit, but they pay slowly (60-90+ days). Financing is essential for agencies serving these high-quality, slow-paying sectors.
Who we serve
Nurses, CNAs, allied health professionals. Financing for agencies serving hospitals, nursing homes, home health. Managing insurance and facility payment delays.
Common needs Invoice factoring, payroll funding
Software developers, network engineers, IT consultants. Financing for tech staffing serving corporate clients with Net 60+ terms.
Common needs AR financing, invoice factoring
Warehouse, manufacturing, logistics workers. Financing for agencies serving distribution centers, factories, and fulfillment operations.
Common needs Invoice factoring, payroll funding
Accounting, finance, legal, administrative professionals. Financing for agencies placing white-collar temporary and contract professionals.
Common needs AR financing, invoice factoring
Traveling nurses and allied health on assignment. Financing for agencies managing housing, travel, and extended contract placements.
Common needs Invoice factoring, specialized facilities
Getting started
Tell us about your staffing operation, typical weekly payroll, client payment terms, and current cash flow challenges. We'll discuss which financing solutions make the most sense.
Provide information about your business, clients, typical invoices, and current financials. We'll need to understand your payroll cycle and client payment patterns.
We'll review your clients' creditworthiness and payment history. Since they're paying the invoices (directly or indirectly), their credit is more important than yours.
If approved, we'll provide clear terms showing how the facility works, advance rates, fees, and how you'll access capital for each payroll cycle.
Submit invoices and receive first advance. After initial setup, subsequent funding typically within 24-48 hours of invoice submission.
Typical timeline: Most staffing agencies are funded within 3-7 business days, faster for emergency situations.
Common questions
For notification factoring (most common in staffing), yes, clients are notified and pay the factor directly. This is actually preferred by many staffing agencies because it professionalizes collections. For non-notification AR financing, clients aren't told and pay you directly. We'll explain both options.
Absolutely. Healthcare facilities are excellent clients with strong credit, they just pay slowly. We're very comfortable with hospital, nursing home, and healthcare agency clients. Their slow payment is exactly why staffing agencies serving healthcare need financing.
This is normal in staffing and doesn't concern us. We evaluate that client's creditworthiness and payment history. If they're a good credit (hospital, large corporation, government), concentration isn't a problem.
For true emergencies (payroll is Friday, you're short), we can often fund within 24-48 hours after reviewing your invoices and clients. Once a relationship is established, funding is even faster.
Typically yes (whole ledger factoring gets better rates), but you only submit invoices for funding when you need capital. If you don't need the advance for a particular invoice, you can often hold it. We'll explain the specifics based on your structure.
Yes. As your invoicing grows, your available capital grows automatically. Agencies that start with $250K facilities often scale to $1M+ as they grow. No need to constantly renegotiate limits.
Your facility adjusts to your current invoice levels. If revenue drops temporarily, your draws decrease proportionally. We're flexible through ups and downs, this is a partnership, not a rigid commitment.
We coordinate with payroll services (ADP, Paychex, etc.) all the time. The factoring provides cash to fund your payroll service obligations. Many staffing agencies use both together smoothly.
Similar payment timing challenges, insurance reimbursement delays create cash flow gaps. Specialized solutions for healthcare providers.
Learn moreConsulting, IT services, professional services with project-based cash flow. Contract-based financing for service companies.
Learn moreProgress payments, retainage, and mobilization funding. Financing built for contractors with similar timing challenges.
Learn moreWhether you're funding weekly payroll, managing rapid growth, or expanding to new markets, we understand staffing and can help. Let's discuss your specific situation and find the right financing solution.
One working-capital decision every other week. Which asset to borrow against, what a facility costs all-in, or how to make payroll before your customer pays, in a two-minute read.
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