Keep weekly payroll moving while client invoices sit on net terms. Five-minute application, three months of statements, and a soft pull to start.
Check My OptionsMerchant Cash Advance
Every new placement adds payroll before revenue. An advance can cover that gap so you can say yes to the next order.
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.
About five minutes to apply, three months of statements, and funding in as little as 24 hours if qualified.
FICO 500+ considered. Steady client payments carry real weight.
The full repayment amount is in your offer before you accept, with no surprise costs after you sign.
Your offer lays out how and when repayment is collected before you commit.
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 runs on a timing problem. Your temps and contract workers get paid every week. Your clients pay on net terms, often weeks later. The busier you get, the wider that gap becomes, because every new placement adds payroll before it adds collected revenue. Growth can feel like running out of cash.
A merchant cash advance gives you a lump sum up front so payroll stays on schedule while client payments catch up.
An MCA provides capital now in exchange for a share of future receivables. Repayment is collected from your business revenue as it comes in. The full repayment amount and the collection schedule are spelled out in your offer before you accept, and nothing changes after you sign.
For payroll specifically, see staffing agency payroll funding.
The application takes about five minutes and starts with a soft credit pull. Send about three months of business bank statements. We do not require tax returns. FICO 500 and up is considered, and sole proprietors can apply. Agencies with steady client payments landing in the account give us the clearest picture.
An MCA works best when the cash gap is temporary and the revenue behind it is real. Look at who owes you and when. If one large client pays slowly but reliably, an advance can bridge that. If the issue is ongoing and spread across many accounts, compare a business line of credit or working capital. Our line of credit vs MCA comparison lays out the tradeoffs.
For illustration only: a clerical staffing firm adds a hospital system as a client, with 25 new placements starting in two weeks. Weekly payroll jumps, but the first payment from the hospital will not arrive for well over a month. An advance sized to roughly that first stretch of payroll keeps workers paid and keeps the relationship intact. Once the client's payments start landing, the cash cycle settles and the agency is in a stronger position for the next order.
Yes. Staffing agencies with steady deposits from client payments can apply. We review about three months of business bank statements.
From $25,000 to $5,000,000, depending mainly on monthly deposits and existing obligations.
Qualified businesses can be funded in as little as 24 hours after the offer is accepted and paperwork is complete.
No. Bank statements and a 5-minute application are the core of the process.
Repayment is collected from business revenue. The full repayment amount and the schedule are in your offer before you accept.
Example uses for illustration only.
A few steps help a staffing agency present a stronger file.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding