You pay your placements weekly and bill your clients monthly
Staffing is the clearest payroll-funding problem in business: you pay temporary and contract workers weekly or biweekly, and you bill the client on net-30, net-45, or longer. Winning a large account is a cash event before it is a revenue event, and the faster the agency grows, the larger the standing gap becomes.
Where it squeezes
- 01Weekly payroll obligations against monthly client billing
- 02Net-30 to net-60 terms from large corporate clients
- 03Payroll taxes and benefits due on the same weekly cycle
- 04A new large account creating an immediate funding gap
- 05Recruiting and onboarding costs incurred before first billing
What owners use capital for
- Funding weekly payroll while invoices age
- Taking on a large account without a cash crunch
- Covering payroll taxes and benefits administration
- Expanding into a new market or specialty
- Investing in recruiting and applicant systems
What staffing businesses most often use — in order.
Invoice Factoring
B2B businesses carrying real receivables from slow-paying customers.
- Amount
- Up to 90% advance rate
- Term
- Per-invoice, no long-term contract
- Speed
- Fast once your account is set up
- Cost basis
- A discount on the invoice face value
- Scales with your receivables
- No long-term contract
- Your customer's credit matters most
Only works if you invoice other businesses — there is nothing to advance against otherwise.
Compare structuresBusiness Line of Credit
Businesses that want capital on standby for recurring or unexpected needs.
- Amount
- $10K – $250K revolving
- Term
- Revolving, typically renewed annually
- Speed
- Days to set up, then draw on demand
- Cost basis
- You are charged only on what you draw
- Draw and repay on your schedule
- Pay only for what you use
- Replenishes as you repay
Approval amounts are usually smaller than a term structure, and the line must be maintained.
Compare structuresWorking Capital
Businesses that want a fixed schedule and a clear payoff date.
- Amount
- $5K – $2M
- Term
- 3 – 24 months, typical
- Speed
- Days, once your file is complete
- Cost basis
- Fixed total cost disclosed before signing
- Predictable payment schedule
- No collateral required
- Clear payoff horizon
Less flexible than a line of credit — you take the full amount up front and repay on a set schedule.
Compare structuresRevenue-Based Financing
Seasonal businesses and those with uneven month-to-month revenue.
- Amount
- $5K – $1M
- Term
- Varies with your receipts
- Speed
- Often the fastest option to fund
- Cost basis
- Factor-based cost, disclosed as a total before signing
- Payments scale with revenue
- Lightest documentation
- Credit is not the primary factor
Typically the highest cost per dollar — you are paying for speed and flexible qualification.
Compare structuresAmount ranges and timelines are typical ranges, not guarantees. All financing is subject to underwriting review; product availability and terms vary by applicant.
Asked and answered.
Net-60 receivables and retainage while payroll runs every Friday. The work is finished; the money is still on someone else's schedule.
Fuel and drivers are paid this week. The broker pays in 30 to 45 days. That gap is the whole business problem.
Insurance reimbursement lag turns profitable practices into cash-tight ones. The revenue is real; the timing is not yours.
Get a straight answer for your business.
Soft inquiry only. Three documents to start. A real person reviews your file.