Merchant Fund Express
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Expansion Funding for Staffing Agencies

Open a branch, add a specialty or hire more recruiters without starving payroll. Funding from $25,000 to $5,000,000 based on your business deposits.

Fund My Growth

Staffing Agency Growth

Fund the Ramp, Not Just the Launch

New offices and new verticals take weeks to produce client payments. We help agencies cover the buildout and the payroll that comes before the revenue.

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.

Growth Funding for Agencies

Quick with little paperwork

Apply in about 5 minutes with recent bank statements. No tax returns required, and funding can come in as little as 24 hours if qualified.

Flexible on credit

FICO 500+ is considered. A soft credit pull starts the process.

Full cost before you commit

Your offer shows the total repayment amount before you accept. Nothing surprising appears after you sign.

Repayment you can model

The repayment schedule is laid out in the offer, so you can plug it into your expansion plan.

Payroll before sales come in?

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.

Growth in staffing costs money twice

When a staffing agency expands, it pays for growth up front and then pays again in payroll before the new revenue arrives. A new branch means rent, furniture, signage and a recruiter or two before the first order. A new vertical such as healthcare or IT may need specialized recruiters and compliance work. Every new placement adds to the weekly payroll while the client's first invoice is still weeks from being paid.

Expansion funding helps you carry both costs at once.

Common expansion moves we see

Opening a second office

Lease deposit, buildout, phones, computers and local job board spend.

Adding a new specialty

Hiring experienced recruiters, credentialing tools and marketing to a new client base.

Buying out a partner

Funding to purchase a departing partner's share so the remaining owner can grow on their own terms.

Scaling a big account

Carrying the extra payroll when an existing client doubles their headcount. This is often the least glamorous expansion and the one most likely to catch an agency short, because the work is already won and the payroll is due immediately.

What we need from you

About three months of business bank statements and a 5-minute application. No tax returns required. FICO 500+ is considered, we start with a soft credit pull, and sole proprietors can apply. Funding ranges from $25,000 up to $5,000,000, and the amount you are offered depends mainly on your deposits and existing obligations.

Picking a structure

Working capital works well for a defined project like a branch opening. A business line of credit suits gradual growth where payroll climbs a little every week. If you want repayment that rises and falls with deposits, look at revenue-based financing.

Plan the ramp, then apply

Before requesting funds, sketch how many weeks it will take for the new branch or vertical to bring in client payments. That ramp is the real number to fund. Your offer will show the full repayment amount and repayment schedule before you accept, so you can check it against your plan. Apply in about 5 minutes.

Frequently Asked Questions

Can I use expansion funding to open an office in another state?

Yes. Funds can cover lease costs, equipment and hiring for a new location, as long as the business can support the repayment.

Do you need a business plan?

No business plan is required. Bank statements are the main document, though a clear ramp plan helps you choose the right amount.

Can funding cover a partner buyout?

Yes. Funding to buy out a business partner's share is an allowed use.

What is the most I could receive?

Our funding ranges up to $5,000,000, but the offer is based mainly on your deposits and existing obligations.

Does applying affect my credit?

We start with a soft credit pull, so exploring options does not begin with a hard inquiry.

Should I fund the whole expansion at once?

Not always. Some owners fund the launch costs as a lump sum and keep a line of credit for the payroll that grows week by week. The right mix depends on how quickly the new branch or vertical starts bringing in client payments, and on what your existing deposits can comfortably support.

Branch buildout $85,000.00
New recruiters $70,000.00
Partner buyout $200,000.00
Vertical marketing $30,000.00

Example uses for illustration only.

How to improve your chances

Agencies that expand carefully tend to qualify for more when they need it.

  • Map weeks until new clients start paying
  • Keep the first branch profitable before opening another
  • Diversify clients so no single account dominates
  • Keep growth spending in the business account

Expansion Funding vs. a Bank Loan

Merchant Fund Express
Traditional bank loans
Documents
Bank statements only to start
Plans, projections, tax returns
Credit
FICO 500+ considered
Higher bar typical
Speed
As little as 24 hours if qualified
Often 30+ days
Range
$25,000 to $5,000,000
Varies, often collateral-heavy
First check
Soft credit pull
Hard pull common

Build the Next Branch on Your Schedule

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

Apply for Funding
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