FICO 500 and up considered. We look at your client payments and deposits, not just an old credit report. Soft pull to start, no tax returns.
See My OptionsStaffing Funding, Credit Flexibility
If your agency places workers and gets paid steadily, but your credit lags behind, we review the business as it runs now.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
Five-minute application, three months of statements, and funding in as little as 24 hours if qualified.
A lower score is weighed alongside steady client deposits and business history.
The full repayment amount is in your offer before you accept. No surprise costs after you sign.
Your offer lays out the repayment schedule so you can match it to client payments.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
Staffing owners often carry credit scars from the business itself. Floating payroll on personal cards during a slow quarter, a client that went bankrupt owing you money, or a rough first year before contracts stabilized. Those marks can linger long after the agency has found its footing. We consider FICO scores of 500 and up and look closely at how the agency performs today.
No single factor decides an application. Funders look at all of them together. Read more at how staffing agencies qualify.
Our 5-minute application starts with a soft credit pull. We ask for about three months of business bank statements and do not require tax returns. Sole proprietors can apply. If something on your report needs context, such as a client that never paid, tell us. That background helps frame the numbers.
With credit challenges, the strongest requests are tied to revenue you can point to: a signed client order, invoices already outstanding, or a seasonal surge you have handled before. Borrowing to cover payroll for confirmed placements is very different from borrowing to keep an unprofitable account going. Your offer shows the full repayment amount and schedule before you accept, so check that it fits your client payment cycle.
Using business funding responsibly can help over time. Keep agency money in agency accounts, stop floating payroll on personal cards, and invoice promptly after every pay period. Those habits improve how your next set of statements reads to any funder.
Agencies with credit challenges often look at a merchant cash advance, revenue-based financing, or working capital. Payroll-specific needs are covered on our staffing payroll funding page.
FICO scores of 500 and up are considered. Deposits, client mix, and existing obligations are weighed alongside your score.
We begin with a soft credit pull.
About three months of business bank statements. No tax returns are required.
Funders consider client concentration as one factor among several. Revenue spread across more clients usually reads as steadier.
From $25,000 to $5,000,000, depending mainly on deposits and current obligations.
Qualified agencies can be funded in as little as 24 hours after acceptance and paperwork.
Example uses for illustration only.
These steps can strengthen an agency's file over a few months.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding