Staffing Agency Financing
Make payroll every Friday, regardless of client terms
Staffing agencies pay workers weekly and bill clients on NET-30 to NET-60. Loanwise Solutions places agencies with payroll funders and factors that advance against timesheets so growth never outruns the payroll account.
Cash flow challenges we see
- Weekly payroll against monthly client payments
- Every new placement increases the cash gap
- Large enterprise clients dictate long payment terms
- Back-office and tax obligations hit on a fixed schedule
What owners use financing for
- Advance against approved timesheets the day they are billed
- Take on a large contract without a payroll shortfall
- Add payroll processing and tax filing through the funder
- Smooth cash flow during client onboarding ramps
Typical qualifying profile
- Time in business
- Available to new agencies with creditworthy clients
- Credit
- Based on client credit, not agency FICO
- Typical size
- $50K–$10M facilities
- Speed
- Set up in 3–7 days, then same-day advances
These are typical ranges across our lending partners, not guarantees. Loanwise Solutions is a broker, not a direct lender — final terms come from the lender we place you with.
Best financing options for staffing agencies
Invoice Factoring
Get paid today on invoices customers will pay in 30, 60, or 90 days.
Accounts Receivable Financing
Unlock cash tied up in receivables while keeping collections and customer relationships in-house.
Working Capital Loans
Cover payroll, inventory, and day-to-day expenses with flexible short-term capital.
Business Lines of Credit
A flexible credit facility you can draw, repay, and reuse — interest only on what you use.
Staffing Agencies financing: frequently asked questions
How does payroll funding differ from factoring?
Payroll funding is factoring with back-office services attached — the funder advances against timesheets and often handles payroll processing, tax filing, and invoicing for a bundled fee.
Can a brand-new staffing agency qualify?
Yes. Because approval rests on your clients' credit, new agencies with solid commercial clients are routinely funded from their first invoice.
Will my clients know I am factoring?
With standard factoring, yes — payments are remitted to the factor. Confidential AR financing keeps the relationship private but requires a stronger balance sheet.
Other industries we finance
Trucking & Transportation
Freight factoring, equipment financing, and working capital for carriers, owner-operators, and logistics companies.
Medical & Dental
Practice acquisition, build-out, equipment, and working capital for physicians, dentists, and specialty clinics.
Construction & Contractors
Working capital, equipment, and receivable financing for general contractors, subs, and specialty trades.
Ready to explore staffing agencies financing?
A 15-minute conversation is all it takes to know which lenders fit your business. No obligation.