Merchant Fund Express
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Inventory Funding for Staffing Agencies

Stock PPE, uniforms, boots and onboarding kits before placements start. Funding from $25,000, sized to your deposits, with a 5-minute application.

Stock Up Now

Staffing Agency Supplies

Get Workers Geared Up on Day One

Clients expect your people to show up equipped. We help agencies buy supplies in bulk without starving the payroll account.

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.

Supply Funding That Stays Simple

Fast with minimal paperwork

Recent bank statements and a short application, no tax returns required. Qualified agencies can be funded in as little as 24 hours.

Credit flexibility

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

No guessing on cost

The full repayment amount is shown in your offer before you accept, with no surprise costs after you sign.

Schedule set in advance

Your repayment schedule is in the offer up front, so you can plan it against client payments.

Payroll before sales come in?

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.

Yes, staffing agencies carry inventory

It does not sit on retail shelves, but it is inventory all the same. Light industrial and warehouse placements often need hard hats, hi-vis vests, gloves, safety glasses and steel-toe boots on day one. Hospitality and event staffing may require uniforms. Healthcare and janitorial placements can call for scrubs and supplies. Many agencies also keep badges, lanyards and onboarding kits on hand. Buying in bulk is cheaper, but it ties up cash right when you are also funding payroll.

How inventory funding works here

We do not finance a specific pallet of gloves. We provide working capital sized to your business deposits, and you decide how much goes to supplies. That keeps it simple: about three months of business bank statements, a 5-minute application, FICO 500+ considered, a soft credit pull to start, and no tax returns required.

For agencies that restock on a rolling basis, a business line of credit can be a better match because you draw only when an order goes out.

When stocking up makes sense

On the other hand, if your clients supply their own gear, there is no reason to sit on extra stock. Gear that sits in a back room for a year is cash you could have used for payroll.

For illustration

For illustration: an agency adding a distribution center client might stock PPE kits for the first wave of placements, plus a cushion for turnover. The supply order is only part of the picture, because payroll for those new workers starts before the client's first payment. Many owners size one request to cover both. The amount offered depends mainly on your deposits and existing obligations.

Know the numbers before you accept

Your offer shows the full repayment amount and the repayment schedule before you sign anything. No surprise costs appear afterward. If the cost does not pencil out against the bill rate on that contract, you can walk away. Start your application when you are ready.

Frequently Asked Questions

Can I use funding for PPE that I bill back to clients?

Yes. How you recover the cost from clients is between you and them; the funding is based on your overall deposits.

Is there a minimum supply order?

No. Funding starts at $25,000 and you decide how much of it goes to supplies versus other needs.

Do I need supplier invoices to apply?

No. Bank statements are the main document, and no tax returns are required.

Can I combine supplies and payroll in one request?

Yes. Many agencies size a single request to cover both the gear and the first payroll cycles for a new account.

How fast can I get funds?

Funding can arrive in as little as 24 hours for qualified businesses.

PPE kits $16,000.00
Safety boots $9,000.00
Event uniforms $12,500.00
Onboarding kits $5,500.00

Example uses for illustration only.

How to improve your chances

A little discipline on supplies protects both cash and margins.

  • Track PPE issued per worker and per client
  • Bill supply costs into your rates where possible
  • Order core sizes in bulk, odd sizes as needed
  • Collect reusable gear when assignments end

Supply Funding Compared

Merchant Fund Express
Traditional bank loans
Paperwork
Bank statements, no tax returns
Tax returns and statements
Credit
FICO 500+ considered
Strong credit expected
Speed
As little as 24 hours if qualified
Weeks of review
Use of funds
Supplies, payroll or both
Often restricted
Starting check
Soft credit pull
Hard pull common

Equip Your Workers Without Draining Payroll

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

Apply for Funding
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