Trades & Field Operations
Production & Supply
Healthcare, Staffing & Education
Professional & Financial
Technology, Media & Events
Staffing Company Working Capital & Medical Staffing Factoring
Structured working capital and factoring for staffing agencies funding weekly payroll against extended client billing cycles.
ELIGIBLE OPERATORS
- •Light industrial & warehouse staffing
- •Healthcare & nursing agencies
- •IT & professional staffing firms
- •Construction labor staffing
- •Janitorial & facilities companies
- •Security staffing & guard services
CAPITAL USED FOR
- •Weekly payroll against 30 to 90 day billing cycles
- •Workers compensation premiums
- •New client onboarding costs
- •Recruitment & candidate sourcing
- •Branch expansion
- •Back office infrastructure
CAPITAL USED FOR
- •Weekly payroll against 30 to 90 day billing cycles
- •Workers compensation premiums
- •New client onboarding costs
- •Recruitment & candidate sourcing
- •Branch expansion
- •Back office infrastructure
Estimate Your Capital Need
Capital Needs Assessment. Staffing
Enter your operating profile to estimate your working capital gap and recommended facility structure.
Estimated Capital Profile
Billing cycle gap
$750,000
45-day payment cycle
Payroll obligation
$324,750
Based on 4.33-week avg
Estimated capital gap
$788,875
Identified capital need
This figure reflects your billing cycle gap and weekly payroll obligation across your active clients. Most staffing operators structure capital around their largest payroll exposure first. A typical first facility ranges from $150K to $500K depending on your client mix and receivable cycle. Enter your contact information below to see how this would be structured for your operation.
Request a Capital Review. A capital advisor will review your assessment and follow up to discuss structure options.
Estimates are for advisory reference only. All structures subject to full financial review.
Built for Payroll-Intensive Operations
We work with staffing companies and workforce-heavy businesses managing weekly payroll against 30 to 90 day receivable cycles.
- Light industrial and warehouse staffing
- Healthcare and nursing staffing agencies
- IT and professional staffing firms
- Construction labor and skilled trades staffing
- Janitorial and facilities management companies
- Security staffing and guard services
Most clients generate $300K to $2M+ in monthly revenue with recurring placement contracts.
Typical Working Ranges
Payroll bridge and operating liquidity
Multi-client payroll and growth capital
Large-scale staffing operations and expansion
All structures are tailored to billing cycles and payroll frequency.
Where Capital Is Deployed
- Weekly payroll funding across multiple client sites
- Workers' compensation premium financing
- Receivable gap coverage on net-30 to net-90 invoices
- New client onboarding and ramp-up costs
- Back-office infrastructure and ATS systems
- Recruitment marketing and candidate sourcing
- Branch expansion and territory growth
Structured Review Process
- 1.Initial discussion around current placements, payroll volume, and billing cycles
- 2.Review of recent business performance and receivable aging
- 3.Capital structure options presented
- 4.Ongoing relationship as staffing operations scale
A Capital Advisory Approach
We work directly with private capital sources who understand staffing cash flow. Funding is structured around payroll obligations and receivable cycles, because in staffing, you pay your people before the client pays you.
- Familiar with staffing payroll and billing dynamics
- Experience supporting multi-branch staffing operations
- Discreet and direct communication
- Long-term capital access as operations expand
Representative Structures
Selected engagements from recent capital structuring work. Identifying details have been generalized for confidentiality.
Situation
Light industrial staffing firm, Midwest region. A $17M agency placing 600 active contractors across four enterprise accounts, with weekly payroll obligations running 30 to 45 days ahead of client invoice settlement.
Structure Deployed
Structured a $1.1M payroll funding facility against verified billable hours, advancing on weekly billing cycles. Conventional bank line was retained for general operations. Facility was sized to peak headcount rather than average run rate.
Outcome
Closed in 8 business days. Weekly payroll funded without interruption across two volume surges in the following quarter. Operator added a fifth enterprise account without expanding the bank relationship.
Light industrial staffing firm, Midwest region. A $17M agency placing 600 active contractors across four enterprise accounts, with weekly payroll obligations running 30 to 45 days ahead of client invoice settlement.
Structured a $1.1M payroll funding facility against verified billable hours, advancing on weekly billing cycles. Conventional bank line was retained for general operations. Facility was sized to peak headcount rather than average run rate.
Closed in 8 business days. Weekly payroll funded without interruption across two volume surges in the following quarter. Operator added a fifth enterprise account without expanding the bank relationship.
Situation
Healthcare staffing and locum tenens firm, Southeast region. An $11M agency winning a multi-state hospital system contract that required onboarding 80 credentialed clinicians over a 90-day window, ahead of first invoice settlement.
Structure Deployed
Structured a $650K bridge facility sized to the onboarding payroll runway, with repayment indexed to the contracted billing cycle. Conventional financing was evaluated first and confirmed unavailable on the required timeline due to documentation lag.
Outcome
Funded in 9 business days. All 80 clinicians onboarded and deployed on the contracted schedule. Facility retired in full within five months as the hospital system billing cycle stabilized.
Healthcare staffing and locum tenens firm, Southeast region. An $11M agency winning a multi-state hospital system contract that required onboarding 80 credentialed clinicians over a 90-day window, ahead of first invoice settlement.
Structured a $650K bridge facility sized to the onboarding payroll runway, with repayment indexed to the contracted billing cycle. Conventional financing was evaluated first and confirmed unavailable on the required timeline due to documentation lag.
Funded in 9 business days. All 80 clinicians onboarded and deployed on the contracted schedule. Facility retired in full within five months as the hospital system billing cycle stabilized.
Situation
Professional and IT staffing firm, West Coast region. A $24M operator with strong receivables and consistent profitability seeking $800K in short-term capital to fund a strategic acquisition of a regional competitor.
Structure Deployed
After review, recommended against the bridge structure the operator initially requested. The financial profile supported a conventional acquisition facility at materially better terms. Coordinated the financing through an institutional lending partner with staffing sector expertise.
Outcome
Closed a $950K conventional acquisition facility within 24 days. Acquisition completed on the original timeline. Cost of capital approximately 55 percent below the short-term alternative initially considered.
Professional and IT staffing firm, West Coast region. A $24M operator with strong receivables and consistent profitability seeking $800K in short-term capital to fund a strategic acquisition of a regional competitor.
After review, recommended against the bridge structure the operator initially requested. The financial profile supported a conventional acquisition facility at materially better terms. Coordinated the financing through an institutional lending partner with staffing sector expertise.
Closed a $950K conventional acquisition facility within 24 days. Acquisition completed on the original timeline. Cost of capital approximately 55 percent below the short-term alternative initially considered.