Cover weekly payroll while clients pay on net terms. Funding from $25,000, decisions based on your bank deposits, and funding in as little as 24 hours for qualified agencies.
Cover My PayrollStaffing Agency Payroll
Your temps get paid every Friday. Your clients pay when they pay. We help agencies close that gap with funding sized to real deposits, not a stack of tax returns.
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.
A 5-minute application and about three months of bank statements. No tax returns required, and qualified agencies can be funded in as little as 24 hours.
FICO 500+ is considered. We start with a soft credit pull and weigh your client deposits more heavily than a single score.
Your offer shows the full repayment amount before you accept. No surprise costs appear after you sign.
The repayment schedule is laid out in the offer, so you can line it up against your payroll calendar before committing.
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.
A staffing agency is a payroll company with a sales team attached. Your temps and contractors expect a check every week, sometimes every day, while the client who uses their hours pays on net 30, net 45 or slower. The bigger your book of placements gets, the wider that gap becomes. Growth itself drains the account.
Payroll funding from Merchant Fund Express is built to cover that stretch. We look at how money actually moves through your business bank account and size an offer around it, so you can keep paying people on time while receivables catch up.
Qualified businesses can see funding in as little as 24 hours, which matters when a payroll run is due Friday.
Most agencies land on one of three options:
We can walk through the trade-offs once we see your statements.
For illustration: an agency running a weekly payroll and waiting roughly six weeks on its largest client might want enough to cover several payroll cycles plus payroll taxes, rather than one week at a time. Requesting the full gap once is usually cleaner than coming back repeatedly. The amount you are offered depends mainly on your deposits and existing obligations.
Every offer shows the full repayment amount and the repayment schedule up front, before you accept. Nothing gets added after you sign. If the numbers do not fit your margins on bill rates, do not take it. When you are ready, start the 5-minute application.
It can help the conversation, but the offer is sized mainly on deposits you have already received and the obligations you already carry. Signed work is useful context, not the main input.
Bank statements are the core document. We may ask follow-up questions about a large client, but there are no tax returns required to get started.
We start with a soft credit pull, so checking your options does not register as a hard inquiry at the start.
Decisions move quickly, and funding can land in as little as 24 hours for qualified businesses once paperwork is complete.
No. Factoring sells specific invoices. Our products are based on your overall business deposits, so your clients are not contacted about their invoices.
Example uses for illustration only.
A few habits make payroll funding easier to qualify for and cheaper to carry.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding