Merchant Fund Express
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Revenue-Based Financing for Staffing Agencies

Bridge the gap between weekly payroll and slow-paying clients. Amounts based on your deposits, FICO 500+ considered, soft pull to start.

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Revenue-Based Financing

Pay your people on time, even when clients pay late

Staffing margins live in the timing. Revenue-based financing gives you working cash sized to your billing so a slow payer does not decide whether payroll clears.

As fast as
24 hours

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.

Funding that follows your billing

Fast and light on paperwork

A 5-minute application and about three months of bank statements. Qualified agencies can be funded in as little as 24 hours.

Credit is not the whole story

FICO 500+ considered. We put real weight on your deposit history and client billing pattern.

Clear total cost

Your offer shows the full repayment amount before you accept, with no surprise costs after you sign.

Schedule you can plan around

The repayment schedule is laid out in the offer up front, so you can line it up with your payroll calendar.

Waiting on deposits to land?

Fast decisions. Applying takes about 5 minutes.

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How it works

Apply in minutes

A short application. A soft credit pull to start.

Fast decision

We review revenue, time in business and bank activity, not just a credit score.

Review your offer

You see the amount, the schedule and the full repayment amount before you sign.

Get funded

Funding in as little as 24 hours for qualified businesses.

Why staffing agencies look at revenue-based financing

A staffing agency pays its placed workers every week, but its clients often pay on net 30, net 45, or longer. That gap is the core cash problem in the business, and it gets wider every time you win a new account. Revenue-based financing is one way we help agencies bridge it. The amount is sized mainly from your business bank deposits, so the strength of your billing history matters more than a perfect credit file.

We work with established agencies that have steady deposits. You can start with a 5-minute application and about three months of business bank statements. No tax returns are required, and the first look is a soft credit pull.

How repayment ties back to revenue

With revenue-based financing, repayment is connected to the revenue moving through your account rather than a one-size bank schedule. Your offer lays out the full repayment amount and how the schedule works before you accept, so you can compare it against your payroll calendar and client payment cycle.

For a staffing firm, that visibility is the point. You know when workers get paid, you know roughly when clients pay, and you can see exactly where the funding fits between the two.

Common uses inside a staffing agency

What we look at

We review deposit consistency, how concentrated your revenue is among a few clients, and any existing financing obligations. FICO scores of 500 and up are considered. Sole proprietors can apply. Funding ranges from $25,000 to $5,000,000, and qualified businesses can be funded in as little as 24 hours.

If you are still deciding between products, compare a business line of credit for staffing agencies or read our staffing agency cash flow guide.

Before you apply

Pull your last three months of statements, list any open financing, and have a rough picture of your largest client receivables. That is usually enough for us to put a clear offer in front of you.

Frequently Asked Questions

Do I need to show client contracts?

Not to start. We mainly review your business bank deposits. If a new contract is driving the request, sharing it can help explain the timing.

How is the amount decided?

Mostly from your deposit history and existing obligations. Agencies with steady, recurring billing tend to have more room.

Will my credit score stop me?

We consider FICO 500 and up, and the first check is a soft pull. Credit is one factor alongside your deposits.

Do you need tax returns?

No. About three months of business bank statements and the short application are what we start with.

Will I know the total cost before signing?

Yes. The full repayment amount and schedule are in your offer before you accept, with no surprise costs after you sign.

Weekly payroll $120,000.00
New client launch $85,000.00
Recruiting ads $30,000.00
Insurance deposit $45,000.00

Example uses for illustration only.

How to improve your chances

A few habits make a staffing agency easier to fund.

  • Run all client payments into one business account
  • Track average days to pay for your top clients
  • Avoid relying on a single client for most revenue
  • List existing financing honestly on the application

Revenue-based financing vs a bank loan

Merchant Fund Express
Traditional bank loans
Main factor
Business bank deposits
Credit, collateral, financials
Documents
About 3 months of statements
Tax returns and statements
Credit
FICO 500+ considered
Strong credit expected
First check
Soft credit pull
Hard pull is common
Speed
As little as 24 hours if qualified
Weeks of underwriting

Keep payroll steady while clients catch up

One secure application. A soft credit pull to start. No obligation to accept an offer.

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