You pay workers weekly, clients pay on terms. Learn how staffing firms manage the payroll gap, and how our funding keeps paychecks on time.
Get FundingStaffing agency cash flow
Every new placement adds payroll before the invoice is paid. We fund staffing agencies from $25,000 to $5,000,000.
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.
5-minute application and about three months of bank statements. Funding in as little as 24 hours if qualified.
FICO 500+ considered, with real weight on deposit history.
The full repayment amount is shown in your offer before you accept. No surprise costs after you sign.
Your offer lays out the schedule up front, so you can plan it against client payment cycles.
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 agencies cash flow comes down to one mismatch: you pay placed workers every week, and your clients pay you weeks later. Payroll taxes, workers' compensation and insurance stack on top. The more placements you make, the bigger the gap gets, which is why growing agencies often feel the tightest.
For illustration only: an agency places twenty light-industrial workers with a new client on net terms. The agency runs several weekly payrolls before the first invoice is paid. Every extra placement adds to the amount carried. The business is healthy, but the bank balance does not show it yet.
Agencies that review their aging report every week, not just at month end, catch slow payers early and can follow up before the next payroll run. A short call or reminder at the right time often moves a payment up by days. Over a year, those days add up to real cash.
Light industrial and warehouse placements often surge around peak shipping seasons. Healthcare staffing can carry higher pay rates and more credentialing costs. Clerical and professional placements may run longer with fewer workers. Each niche changes how big the payroll gap gets and how fast it grows. Knowing your mix helps you choose between a lump sum for a big contract start and a line of credit that flexes with placements. For more detail on the review, read how staffing agencies qualify, or compare options in line of credit vs. merchant cash advance for staffing agencies.
Merchant Fund Express offers working capital for staffing agencies to carry payroll while invoices are open, and a business line of credit you can draw as placements grow. You can also read about staffing agency payroll funding. We fund from $25,000 to $5,000,000 based on about three months of bank statements. Start in 5 minutes.
Yes. Carrying payroll while client invoices are outstanding is one of the most common reasons staffing agencies apply.
Your recent bank deposits, how steady they are, and existing obligations. FICO 500+ is considered.
Tax returns are not required. We start with about three months of bank statements.
Qualified businesses can be funded in as little as 24 hours.
It depends on your pattern. A line suits growing, uneven placements; a lump sum suits a single large contract start.
Yes. Sole proprietors can apply. We review business bank deposits and existing obligations.
Example uses for illustration only.
These practices shorten the time between paying workers and getting paid.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding