Merchant Fund Express
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Emergency Funding for Staffing Agencies

A client stopped paying or a tax bill hit early? Get a fast decision on funding from $25,000, with funding in as little as 24 hours for qualified agencies.

Get Emergency Cash

Staffing Agency Emergency Cash

Keep Paychecks Going When Cash Stops

Your workers cannot wait for a client dispute to resolve. We help agencies cover payroll and urgent costs while the emergency gets sorted out.

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.

Fast Help Without Fine Print

Fast and low on paperwork

Apply in about 5 minutes with bank statements, no tax returns required. Funding in as little as 24 hours for qualified agencies.

Room on credit

FICO 500+ is considered, and we start with a soft credit pull.

Full cost on the table

Your offer shows the full repayment amount before you accept. No surprise costs after you sign, even under pressure.

A schedule you saw first

Repayment terms are laid out in the offer up front so you can test them against your recovery plan.

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.

Emergencies in staffing look like this

A major client goes quiet on a large invoice. A bank freezes an account during a fraud review. A payroll tax notice arrives with a deadline. An unemployment claim or insurance audit lands at the worst possible time. In most industries a few slow weeks are uncomfortable. In staffing, they can mean telling hundreds of workers their checks will be late, and that is the kind of thing workers and clients remember. Workers who miss a check often do not come back, and refilling those positions costs far more than the emergency itself.

Triage before you borrow

  1. Name the gap. How much cash do you need, and for how many weeks?
  2. Separate the urgent from the important. Payroll and payroll taxes come first.
  3. Talk to the slow client. A firm payment date changes how much you need.
  4. Then compare funding. Borrow for the real gap plus a reasonable cushion, not for every worry at once.

How we help in a hurry

Our application takes about 5 minutes. We look at about three months of business bank statements, consider FICO 500+, start with a soft credit pull and do not require tax returns. Decisions move fast, and qualified businesses can be funded in as little as 24 hours.

Most emergency requests are working capital or a merchant cash advance. If your credit took a hit, our page on bad credit options for staffing agencies explains how funders weigh it.

Do not let urgency hide the cost

Pressure makes it easy to sign anything. Our offers show the full repayment amount and the repayment schedule before you accept, with no surprise costs after you sign. Read both. Ask what happens if the slow client pays early. Make sure the schedule fits your deposits even if the emergency drags on a few more weeks.

For illustration: an agency missing one large client payment might fund just enough to cover the payroll cycles until that payment is expected, plus a buffer, rather than the full invoice amount.

Next step

If you need cash for payroll this week, start the application now. It is faster to have an offer in hand and decline it than to wait and run out of time.

Frequently Asked Questions

How fast can emergency funding arrive?

Decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses once paperwork is signed.

Can I apply if my credit dropped recently?

Yes. FICO 500+ is considered, and we look at your deposits alongside your score.

What if my deposits dropped because a client stopped paying?

We look at the overall pattern in your statements. A recent dip can reduce the amount offered, but it does not stop you from applying.

Do I need to explain the emergency?

It helps us understand the request, but there is no lengthy paperwork. Bank statements are the main document.

Will my workers or clients know?

No. We do not contact your clients or workers about the funding.

Missed client payment $85,000.00
Payroll tax notice $27,000.00
Insurance audit $19,000.00
Frozen account bridge $45,000.00

Example uses for illustration only.

How to improve your chances

After the emergency passes, a few changes make the next one easier.

  • Set credit limits per client based on payment history
  • Build a reserve equal to at least one payroll
  • Reconcile payroll tax deposits every cycle
  • Diversify so no client is most of your revenue

Emergency Funding: Us vs. a Bank

Merchant Fund Express
Traditional bank loans
Speed
As little as 24 hours if qualified
Rarely fast enough
Documents
Bank statements, no tax returns
Full financial review
Credit
FICO 500+ considered
Recent dips often disqualify
Application
About 5 minutes
Branch visits and forms
First credit check
Soft pull
Hard pull common

Make This Week's Payroll, Then Fix the Rest

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

Apply for Funding
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