Merchant Fund Express
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Same-Day Funding for Staffing Agencies

Payroll day does not wait. Decisions move fast and qualified agencies can be funded in as little as 24 hours. Soft pull to start, no tax returns.

Apply in 5 Minutes

Fast Funding for Staffing

Cover payroll when a client payment slips

A late client payment should not mean a late paycheck. A short application and light paperwork help you move quickly.

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.

Built for staffing owners racing payroll

Quick decisions, short paperwork

Five-minute application and three months of statements. Funding in as little as 24 hours for qualified agencies.

More than a score

FICO 500+ considered. Steady client deposits carry weight in the review.

Total cost before you accept

Your offer lists the full repayment amount. No surprise costs after you sign.

Clear repayment schedule

The schedule is laid out in your offer, so you can line it up with client payments.

Cash flow tight this month?

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.

Payroll day does not move

Most urgent requests from staffing owners trace back to one fact: payroll day is fixed and client payments are not. A large client slips a payment run, a new order starts sooner than planned, or a payroll tax deposit lands in the same week as a heavy pay period. That is when owners search for same-day funding.

Here is what we can honestly offer. We do not promise same-day funding. Decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses.

How to make a fast request faster

  1. Download about three months of business bank statements before you start.
  2. Complete the 5-minute application. It begins with a soft credit pull.
  3. Know the exact amount: the payroll total, the tax deposit, or the onboarding cost you need to cover.
  4. Review the offer, which shows the full repayment amount and schedule, then decide.

We do not require tax returns, FICO 500 and up is considered, and sole proprietors can apply.

Typical urgent needs in staffing

For more on unplanned gaps, see staffing agency emergency funding.

An example, for illustration

For illustration: an event staffing agency books a large convention with short notice. Workers are paid weekly, the client pays 30 days after the event, and the first payroll for the job comes due in five days. The owner applies with statements ready, gets a decision quickly, and has funds within about a day after accepting. The convention runs, workers get paid, and the client payment lands later to support repayment.

Speed is not a reason to over-borrow

When payroll is on the line, it is tempting to grab the biggest number available. Resist that. Size the request to the specific gap, check the repayment schedule against your upcoming client payments, and make sure the next payroll after this one is still covered. If gaps happen every month, a business line of credit may serve you better than repeated one-off requests.

Product options

Fast funding for staffing agencies often takes the form of a merchant cash advance or working capital. We will walk through which fits the gap you are covering.

Frequently Asked Questions

Can my staffing agency get funded today?

We do not promise same-day funding. Decisions move fast, and qualified agencies can be funded in as little as 24 hours.

What do I need to apply quickly?

About three months of business bank statements and a 5-minute application. No tax returns required.

Will a fast request require a hard credit pull?

The process starts with a soft credit pull.

How much can I get?

From $25,000 to $5,000,000, depending mainly on deposits and existing obligations.

Can I use it for payroll?

Yes. Covering payroll while client invoices are outstanding is one of the most common uses for staffing agencies.

Late client payment $85,000.00
Rush order payroll $70,000.00
Payroll tax deposit $50,000.00
Insurance renewal $30,000.00

Example uses for illustration only.

How to improve your chances

Being ready ahead of time is what makes a fast request fast.

  • Keep recent bank statements downloaded and current
  • Know your exact payroll total for the coming week
  • Track which client payments are late and by how much
  • Disclose existing financing on the application

Fast staffing funding vs a bank loan

Merchant Fund Express
Traditional bank loans
Speed
As little as 24 hours if qualified
Several weeks typical
Paperwork
About 3 months of statements
Tax returns, financials, AR
Credit
FICO 500+ considered
Strong credit expected
First step
Soft credit pull
Often a hard pull
Total cost
Shown in offer up front
Varies by bank

Keep your workers paid on time

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

Apply for Funding
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