Staffing agency funding
A construction staffing agency pays its crews every week and invoices the contractor on net terms. That gap is where financing helps. Here is how it works, what a funder reads in your file, and how to apply in about five minutes.
✓ Checking what you qualify for does not affect your credit score.
Yes, staffing agencies that place construction labor can get business funding. We fund from $25,000 to $5,000,000, decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses. We read about three months of business bank statements instead of asking for tax returns, we consider owners with a FICO score of 500 or above, and sole proprietors can apply.
A staffing agency fronts the cost of labor. Crews are paid weekly, payroll taxes and workers’ compensation are due on schedule, and the invoice to the contractor may not be paid for 30 days or more. The more work you place, the larger the gap grows, which is why fast growth can strain cash flow more than a slow month.
Wages go out every week whether or not the client has paid.
Payroll taxes and workers’ compensation premiums are due on their own calendar.
General contractors often pay on their own draw schedule, not yours.
Spring and summer ramps need more crews before the first invoices are paid.
| Product | What it covers | When it tends to fit |
|---|---|---|
| Working capital | Payroll, taxes and insurance while invoices are outstanding | Fits when deposits are steady and you need cash now |
| Business line of credit | A reusable pool you draw on each payroll cycle | Fits when the gap repeats every month |
| Merchant cash advance | Cash against future deposits, repaid as a share of sales | Fits when speed matters |
| Revenue-based financing | Repayment tied to your revenue | Fits when client payments swing from week to week |
Costs and repayment schedules are set per offer, and the full repayment amount is shown before you accept. See working capital for staffing agencies, business line of credit and merchant cash advance.
Our staffing agency qualification guide covers each point in more detail.
This is an illustration, not an offer. Your amount depends mainly on deposits and existing obligations.
| Use of funds | For illustration |
|---|---|
| Cover four weekly payrolls for a new crew | $40,000 |
| Payroll taxes and workers’ compensation premium due | $12,000 |
| Safety gear and onboarding for new placements | $8,000 |
| Total request | $60,000 |
Listing where each dollar goes helps you ask for the right amount.
The application takes about five minutes and starts with a soft credit pull, so applying does not hurt your score. Start your application and we will review your file the same day. See also staffing agency funding by state and city and construction payroll funding.
Yes. We fund staffing agencies, including those placing construction labor, from $25,000 to $5,000,000. The amount depends mainly on your deposits and existing obligations.
Decisions move quickly, and funding can arrive in as little as 24 hours for qualified businesses, depending on how complete your bank statements are.
No. We read about three months of business bank statements instead of asking for tax returns.
That is the most common use. Working capital or a line of credit can cover payroll, taxes and insurance until the invoice is paid.
Yes. Sole proprietors can apply the same way as an LLC or corporation.
The application starts with a soft credit pull, which does not affect your score.
Same-day decision. Applying takes a few minutes and will not affect your credit score.
