Staffing agencies pay their workers weekly but bill clients on net-30 to net-60 — a structural cash-flow gap that grows with every new placement. Payroll funding closes that gap so you can scale without running dry.
What staffing agencies use funding for
- Weekly payroll for placed workers
- Bridging net-30 to net-60 client invoices
- Recruiting, onboarding, and background checks
- Payroll and applicant-tracking software
- Working capital to take on larger contracts
How much can you borrow?
Staffing agencies typically borrow $25,000 to $1,000,000 — payroll funding and A/R financing scaled to your billings, since the model is almost entirely a receivables-timing problem.
The cash-flow challenge for staffing agencies
Every dollar of growth widens the gap: you pay temps this week and collect from the client next month. Winning a big contract can require more payroll cash than the agency has, making receivables financing essential.
Tip: Payroll funding scales with your invoices, so it grows exactly as fast as your placements do — ideal for rapid expansion.
Best financing options
This is the textbook case for A/R / payroll financing, which advances cash against client invoices so weekly payroll is always covered. A line of credit or working capital adds flexibility.
Before you sign any offer, run the numbers through our business loan & MCA calculator to see the real APR and total payback.
Fund your staffing agency
Cover weekly payroll on net-30 clients and scale without cash gaps.
Check My Funding OptionsFrequently asked questions
How do staffing agencies fund payroll?
Payroll funding (A/R financing) advances most of each client invoice immediately, so temps get paid weekly while the client pays on net-30 or net-60 terms.
Does staffing funding scale with growth?
Yes — because it's tied to your invoices, available funding rises automatically as your billings grow, which is why it suits fast-scaling agencies.