Industry Qualification
Staffing Agencies fall under an eligible industry classification (Employment Placement Agencies, Temporary Help Services). Staffing agencies pay workers weekly and collect from clients on terms, and the review is built around that payroll gap.
✓ Checking what a staffing agency qualifies for does not affect your credit score.
Temporary and placement agencies bill clients weekly or monthly for hours worked and placement fees, typically on net-30 to net-60 terms, while temporary workers are paid every week.
Funding is usually used to cover payroll as new clients come on, to fund recruiters, or to replace or supplement a factoring arrangement.
Weekly payroll moves a lot of money; an average balance near a tenth of monthly revenue shows the agency can carry receivables. ADB explained →
Agencies operating three or more years are strongest, and newer agencies with signed clients are funded regularly. Time tiers →
Payroll that clears before client payments can create negative days — fewer than 3 a month keeps the file in range. Exact limits →
An existing factoring arrangement or advance is reviewed as part of the file. Refinance options →
Demand follows client cycles: warehouse and retail staffing surges before the holidays, light industrial ebbs and flows with production, and healthcare staffing is steadier.
Worker payroll, payroll taxes and workers' comp insurance are paid weekly, while clients pay 30 to 60 days later.
Paying temporary workers before the first invoice clears.
Growing the desk to fill more orders.
Moving away from per-invoice fees.
Coverage required for new client sites.
Applicant-tracking and timekeeping systems.
A light-industrial staffing agency adding a distribution-center client needs to make three weekly payrolls before the first net-30 payment.
Its statements show about $240,000 a month in deposits and an average daily balance near $22,000 — roughly 9% of monthly revenue, right around the 10% benchmark.
A request of $120,000 on a line of credit is about 50% of one month's deposits for this staffing agency, which keeps the payment proportionate to what comes in.
Illustrative figures for a sample staffing agency, not an offer; real amounts, terms and cost depend on the full file.
Gather recent business bank statements; client payments and payroll outflows show the real picture.
The gap between payroll and client payments, years staffing and open positions drive the review, plus credit.
The amount, term and total cost are on paper before signing, so payments align with client terms.
Signed agreements typically fund the next business day, before the next payroll run.
Yes. Covering payroll before client payment is the most common use for agencies.
Client deposits set the size, within a $10,000–$350,000 line or a $10,000–$250,000 term loan.
No. Factoring arrangements are reviewed as part of the file.
Yes, the open position is weighed in the review.
The check does not change the credit score, and agencies get a same-day decision.
Payroll for a new client or more recruiters — staffing agencies get a same-day decision, without any credit impact.
