Merchant Fund Express
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Slow-Season Funding for Staffing Agencies

Hold your recruiting team together when placements dip. Funding from $25,000, a 5-minute application, and offers based on your real deposit history.

Bridge the Slow Season

Staffing Agency Slow Season

Stay Staffed Up for When Orders Come Back

Placements soften, overhead does not. We help agencies carry rent, recruiters and software through the quiet weeks so they are ready to fill orders the moment demand returns.

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.

Funding That Respects Your Calendar

Quick and light on paperwork

About three months of statements and a short application. No tax returns required, and funding can come in as little as 24 hours for qualified agencies.

More than a credit score

FICO 500+ is considered. A soft credit pull starts the process, and we weigh how your deposits recover each cycle.

Total cost shown first

See the full repayment amount in your offer before you accept, with no surprise costs after you sign.

Repayment laid out up front

Your offer spells out the repayment schedule so you can match it against your slow and busy months.

Cash flow tight this month?

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.

The staffing calendar has soft spots

Most agencies can name their slow weeks without looking. Light industrial and warehouse orders often fade after the holiday rush. Event and hospitality staffing thins out in the off season. Some clients freeze headcount at the start of a budget year. Your fixed costs do not take those weeks off: recruiters, office rent, job board subscriptions, insurance and software keep billing.

Slow-season funding gives you cash to hold the team together through the dip so you are fully staffed when orders come back.

How we evaluate a seasonal agency

We read your last three months or so of business bank statements, and we understand that deposits rise and fall. What funders weigh is the pattern: whether deposits recover each cycle, how concentrated your client base is, and what you already owe. FICO 500+ is considered, we start with a soft credit pull, and there are no tax returns required.

Apply before the slowdown if you can. Statements from your busy stretch tell a stronger story than statements from the bottom of the trough.

Choosing between a lump sum and a line

If you know the slow period is short and predictable, working capital gives you one amount to carry you through. If you would rather keep cash on standby and draw only when a week comes up short, a business line of credit may suit you better. A merchant cash advance is another option some agencies use.

Use the quiet weeks well

Slow seasons are when agencies can afford to fix things. A few owners we hear from use the funding to:

  1. Keep their best recruiters instead of laying them off and rehiring.
  2. Build a candidate pipeline ahead of the next peak.
  3. Market to clients in a different, counter-seasonal sector.

None of that pays off immediately, which is exactly why it tends to get skipped when cash is tight. Funding gives you room to do it anyway and to show up for the next busy stretch with recruiters who already know your clients.

What your offer will show

The offer lays out the full repayment amount and the repayment schedule before you accept. There are no surprise costs after you sign, so you can check the numbers against your expected recovery. Ready to look? Apply in about 5 minutes.

Frequently Asked Questions

Will lower deposits during my slow season hurt my offer?

Lower recent deposits can reduce the amount offered, which is why applying before or early in the dip often helps. We look at the overall pattern, not one bad week.

Can I use the funds to keep recruiters on payroll?

Yes. Retaining internal staff through a slow period is a common use of working capital for agencies.

Do I need to show a seasonal forecast?

No forecast is required. About three months of business bank statements is the main document.

Can a sole proprietor agency apply?

Yes. Sole proprietors can apply, as can LLCs and corporations.

How quickly could funds arrive?

Funding can arrive in as little as 24 hours for qualified businesses after approval and signed paperwork.

Recruiter salaries $40,000.00
Office rent $12,000.00
Job board ads $8,500.00
Sales outreach $15,000.00

Example uses for illustration only.

How to improve your chances

Agencies that plan for the dip usually get better offers when they need them.

  • Apply before deposits hit their seasonal low
  • Add a client in a counter-seasonal industry
  • Keep a written list of fixed monthly costs
  • Avoid taking on new obligations mid-slowdown

How We Differ From a Bank

Merchant Fund Express
Traditional bank loans
Seasonal deposits
Reviewed as a pattern
Often read as a red flag
Paperwork
Bank statements, no tax returns
Tax returns and financials
Credit
FICO 500+ considered
Higher scores usually expected
First credit check
Soft pull
Hard pull common
Timeline
As little as 24 hours if qualified
Several weeks typical

Get Through the Dip With Your Team Intact

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

Apply for Funding
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