Bridge the gap between weekly payroll and net-term client invoices. Five-minute application, about three months of bank statements, no tax returns.
See My OfferStaffing Working Capital
Payroll runs weekly while clients pay on terms. Working capital covers the space in between so you can grow without stalling.
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.
Five-minute application, three months of statements, and funding in as little as 24 hours for qualified agencies.
FICO 500+ considered. Consistent client payments count heavily.
The offer shows the total repayment amount before you accept. No surprise costs after you sign.
Your repayment schedule is laid out in the offer, so you can match it to your billing cycle.
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.
For most staffing agencies, working capital is not about buying things. It is about time. You pay recruiters, temps, payroll taxes, and insurance on a short cycle, while clients pay on 30, 45, or 60 day terms. Working capital fills the space between those two clocks.
Picture a light industrial staffing firm that lands a client needing 40 extra workers for a distribution center's peak season. For illustration, if weekly payroll for that group runs around $30,000 and the client pays on net 45, the agency might carry several weeks of payroll before the first payment arrives. Working capital sized to that window lets the agency take the contract without pulling cash from its other accounts. Your actual amount depends mainly on deposits and existing obligations.
We look at about three months of business bank statements to see your deposit rhythm and client payments. No tax returns are required. The application takes about five minutes and starts with a soft credit pull. FICO 500 and up is considered, and sole proprietors can apply. Funding ranges from $25,000 to $5,000,000, and qualified businesses can be funded in as little as 24 hours.
If a single large contract is driving the need, see big contract funding for staffing agencies. If you want to understand your cash cycle first, start with our staffing agency cash flow guide. For ongoing, repeat needs, a business line of credit may fit better than a single lump sum.
The healthiest working capital requests match a known gap. Before you apply, pull your aging report and your payroll calendar side by side. Figure out how many weeks of payroll you carry before clients pay, and size the request to that window rather than a round number. If you already have other financing, tell us up front so the offer fits what your account can carry.
Payroll float, recruiting, onboarding costs, insurance deposits, software, and other day-to-day expenses that come before client payments arrive.
Funders look at your deposits, which reflect how and when clients pay. Steady, regular client payments make your cash flow easier to read.
About three months of business bank statements. No tax returns.
FICO 500 and up is considered, and your deposit history is weighed alongside your score.
Yes. The full repayment amount and the repayment schedule are in your offer before you accept.
Example uses for illustration only.
These moves make a staffing agency's cash flow easier to fund.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding