Merchant Fund Express
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Funding for a Big Contract for Staffing Agencies

Won a large account? Cover payroll, screening and onboarding until the first invoice clears. Funding from $25,000 to $5,000,000 based on your deposits.

Fund the Contract

Staffing Agency Big Contracts

Say Yes to the Big Order Without Missing Payroll

Large accounts start fast and pay slow. We help agencies carry the weeks between the first shift and the first payment.

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 Built for a Fast Ramp

Moves at contract speed

A 5-minute application, recent bank statements and no tax returns. Qualified agencies can be funded in as little as 24 hours.

Credit is weighed, not decisive

FICO 500+ is considered, starting with a soft credit pull.

Cost you can price in

The full repayment amount is in your offer before you accept, so you can compare it with your bill-rate spread. No surprise costs after signing.

Schedule known up front

The repayment schedule is laid out in the offer, letting you line it up against the client's payment terms.

Need capital this week?

Fast decisions. Applying takes about 5 minutes.

Apply Now

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.

The contract you wanted is now the problem

Landing a large account is the moment many agencies discover how much cash growth requires. Fifty or a hundred new workers start on a Monday. Background checks, drug screens and onboarding have to be paid for the week before. Payroll goes out every week after that. The client, meanwhile, is on net 45 or net 60 and may take its first invoice through a new-vendor approval process that adds more time.

Done right, the contract makes the year. Underfunded, it can push an agency into missed payrolls and a damaged relationship with the very client you just won.

What a big-contract request usually covers

How we size the offer

A signed contract is good context, but offers are based mainly on deposits you have already received and the obligations you already carry. We review about three months of business bank statements, consider FICO 500+, start with a soft credit pull and do not require tax returns. Qualified businesses can be funded in as little as 24 hours, which matters when the start date is fixed.

For illustration: if a new account will add several weeks of payroll before its first payment, the gap you are funding is those weeks, not the full annual contract value.

Lump sum or line?

A lump sum of working capital fits when the ramp is defined. If headcount on the account will climb gradually, a business line of credit lets you draw as payroll grows. Unsure? Our staffing agency cash flow guide walks through the math.

Read the offer against the bill rate

Every offer lays out the full repayment amount and the repayment schedule before you accept. Compare that cost against your spread on the new account. If the margin covers it comfortably, the contract can carry its own funding. If not, it may be worth renegotiating payment terms with the client first. When the numbers work, apply in about 5 minutes.

Frequently Asked Questions

Will you contact my new client?

No. Our products are based on your business bank deposits, not on assigning the client's invoices to us.

Can I apply before the contract is signed?

Yes. Many agencies apply as soon as a large deal looks likely so they know their options before the start date.

Does a large contract mean a larger offer?

It can support the conversation, but the offer depends mainly on existing deposits and obligations, not on future contract value.

What if the client pays later than expected?

Build a cushion into your request. Agencies often underestimate how long a large client's first payment takes.

Can a sole proprietor agency take on a big contract with this funding?

Yes. Sole proprietors can apply, and the same deposit-based review applies.

Ramp-up payroll $180,000.00
Background checks $14,000.00
Workers comp $35,000.00
Onsite coordinator $22,000.00

Example uses for illustration only.

How to improve your chances

Agencies that prepare before the big contract tend to get stronger offers.

  • Confirm the client's real payment timeline in writing
  • Price funding cost into the bill rate
  • Apply before the start date is locked
  • Keep other obligations light ahead of the ramp

Big-Contract Funding: Us vs. a Bank

Merchant Fund Express
Traditional bank loans
Timeline
As little as 24 hours if qualified
Often misses the start date
Documents
Bank statements, no tax returns
Full financial package
Credit
FICO 500+ considered
Strong credit expected
Client contact
None about invoices
Varies
Range
$25,000 to $5,000,000
Often capped by collateral

Take the Contract and Make Payroll Too

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

Apply for Funding
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