Staffing & Agency Financing — Pay Your People Before Your Client Pays You

You run payroll every Friday and your client pays net 45. Growth literally makes the cash gap worse.

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What owners in this industry finance

Weekly payroll funding
Advancing against client invoices
Onboarding a large new contract
Software and recruiting spend

What we would tell you

Staffing is the textbook factoring industry — creditworthy corporate clients, clean invoices, no minimum FICO required. Payroll funding facilities are built for exactly this cycle.

The programs that fit best

Invoice Factoring & A/R Financing

Turn unpaid invoices into cash

2 – 5 days No minimum FICO

Business Line of Credit

Draw only what you need

Same day 600+ FICO

Asset-Based Lending

Borrow against what you own

Days to weeks Program dependent FICO

Small Business Loans

Term Loans & Working Capital

Same day to 3 days 660+ FICO

Program guidelines shown are our lending partners' published minimums as of September 2026 and can change. They are qualification floors, not an offer.

Straight answers

Staffing & Professional Services funding questions

What is the best financing option for staffing & professional services?

It depends on what the money is for. Staffing is the textbook factoring industry — creditworthy corporate clients, clean invoices, no minimum FICO required. Payroll funding facilities are built for exactly this cycle.

Can I get funded for my staffing & professional service business with bad credit?

Several products carry no minimum credit score — equipment financing at 580, and invoice factoring, purchase order financing and revenue-based options with no FICO floor at all. See bad-credit options.

How fast can we get the money?

Same day to three business days on the fast programs from a complete file. Equipment takes a few days, invoice factoring 2–5 days, SBA 30–45 days.

No cost · No obligation

Funding for staffing & professional services

One application, shopped across 14 programs, no fee to you.

Get Pre-Qualified See funding options

Checking your options does not affect your business credit. A soft review only.