Staffing Agencies Invoice Factoring

Staffing firms often wait 30, 45, or even 60 days to get paid while payroll is due every week. Staffing Agencies Invoice Factoring turns those slow-paying invoices into immediate working capital so you can meet payroll on time and keep placing qualified talent. With invoice factoring for staffing agencies, you sell approved receivables to a funding partner and receive a large advance up front, then the balance (minus a small fee) when your client pays.

Staffing Agencies Invoice Factoring

Our programs are built around the unique challenges of the staffing industry. With staffing agency receivables factoring, funding decisions are based largely on the credit quality of your clients rather than only on your own financial history. As long as you generate verifiable invoices to creditworthy companies, you may be able to unlock a high percentage of each invoice within hours instead of weeks.

We provide options for temporary staffing, contract placements, and some direct-hire fee arrangements. Whether you are filling industrial shifts, placing nurses, or supplying IT talent, staffing invoice factoring can help you smooth out cash flow so your recruiters can focus on filling orders instead of chasing payments. Advances can be used for payroll, benefits, marketing, and everyday overhead so your agency can grow with demand.

Minimum Requirements for Staffing Invoice Factoring

To qualify for invoice factoring for staffing agencies, most businesses should meet these general benchmarks:

Minimum Revenue	$10,000 / month
Length in Business	5 months or more
Ownership %	Minimum of 51% Ownership
Personal Credit	US FICO 500+

Types of Staffing Agencies Invoice Factoring Options

Standard Invoice Factoring for Staffing Agencies

This option is designed for established firms that bill corporate or government clients on net terms. You submit approved invoices, and the factor advances a set percentage often the same day then collects payment directly from your customer. Invoice factoring for staffing agencies like this is ideal when you need a reliable, ongoing source of working capital tied to your receivables.

Payroll-Focused Invoice Factoring for Staffing

Some programs are structured specifically around weekly or bi-weekly payroll cycles. With this style of invoice factoring for staffing, funds are advanced in time to cover wages, taxes, and benefits, then replenished as clients pay their invoices. It’s a strong fit for agencies that experience tight payroll windows or seasonal spikes in placements.

Staffing Agency Receivables Factoring with Credit Support

If you are taking on new accounts or larger customers, staffing agency receivables factoring with credit support can help you evaluate risk. The factor may provide credit checks and suggested limits for your clients, helping you avoid extending terms to companies that are slow-paying or unstable. This lets you grow confidently while keeping bad-debt risk in check.

Non-Recourse Staffing Invoice Factoring

With non-recourse staffing invoice factoring, the factor may assume a portion of the credit risk if a client becomes insolvent, depending on the structure of your agreement. While fees can be slightly higher, this can provide peace of mind when you serve large but concentrated accounts. It’s often used by agencies that work heavily with a few key end clients.

Startup and Growth-Oriented Staffing Factoring Programs

You don’t need a long operating history to benefit from invoice factoring for staffing. Some plans are tailored to newer agencies that have strong clients but limited capital. As long as your invoices are valid and your customers are creditworthy, you may qualify for advances that let you add recruiters, expand into new territories, or move into higher-margin niches without waiting for retained earnings to build.

Staffing Invoice Factoring Services

Every staffing business operates differently. A light-industrial agency with hundreds of weekly timecards has different needs than a boutique professional-search firm or a medical staffing agency. Our staffing invoice factoring services are designed to reflect those differences. We review your client mix, billing patterns, and growth plans to structure a facility that supports your goals.

You can factor all eligible clients or just selected accounts, adjust funding levels as you grow, and receive detailed reporting on what has been advanced and what remains outstanding. Funds are typically delivered by ACH or wire, giving you quick access to the cash you need to keep your team paid and your clients satisfied. With invoice factoring for staffing agencies, you can take on larger orders, reduce stress around payroll, and position your firm for long-term growth.

Who We Serve

Frequently Asked Questions

What is the process for getting invoice factoring for staffing agencies?

You start by sharing basic information about your agency, your clients, and your average monthly billing. After an initial review, we request documents such as aging reports, sample invoices, and customer lists. Once approved, you sign a factoring agreement, submit invoices for approved clients, and receive advances often within 24 hours.

How quickly can I receive funding through staffing invoice factoring?

Once your account is set up and your customers are approved, many staffing invoice factoring transactions are funded the same day or next business day after invoices and timecards are submitted. This speed helps you stay ahead of payroll and other operating expenses.

Can I apply for a business loan if my credit score is low?

No. While your personal and business credit are considered, staffing agency receivables factoring focuses heavily on the credit quality of your clients and the strength of your invoices. Agencies with less-than-perfect credit can often still qualify if they work with reliable, well-rated customers.

What are the eligibility requirements for a business loan in Phoenix?

Most programs look for an operating business that invoices commercial or government clients on terms, has verifiable time records or contracts, and maintains good performance with its customers. Meeting the minimums for time in business, monthly revenue, ownership, and basic credit typically puts you in a strong position to access invoice factoring for staffing that fits your needs.

Staffing Agencies Invoice Factoring