You pay workers this Friday. Your client pays in a month. Apply for $25,000 to $5,000,000 to bridge that gap, funded in as little as 24 hours.
Apply Now →A staffing agency sells time. It recruits, screens and places workers, then bills the client for the hours worked, usually with a markup. Workers expect to be paid weekly or biweekly. Clients pay invoices on thirty-day or longer terms. That means the agency carries the full wage cost, payroll taxes and often insurance for each placed worker for a month or more before the money comes back.
Every new placement increases the gap. The faster an agency grows, the more cash it needs.
| Step | Who pays | When |
|---|---|---|
| Recruiting and screening | The agency | Before the worker starts |
| Week one wages | The agency | End of the first pay period |
| Payroll taxes and unemployment contributions | The agency | On payroll dates and quarterly |
| Client invoice | The client | Often thirty days or more after billing |
Texas employers file wage reports and pay unemployment tax by the last day of the month after each quarter, so another fixed cash obligation follows every busy quarter.
Winning a large account feels like good news until the payroll cycle starts. Twenty temp workers at modest weekly pay can mean tens of thousands of dollars out the door before the first invoice is due. A late client payment extends the problem. Owners learn quickly that growth needs a financing plan, not just a sales plan.
Texas Biz Funding provides $25,000 to $5,000,000, with a five-minute application and a soft credit pull. Funding can arrive in as little as 24 hours. Sole proprietors can apply, which includes independent recruiters who run an agency on their own.
Used well, working capital lets an agency say yes to a large placement, pay workers on time and keep the agency's reputation with both workers and clients strong. Used poorly, it extends a business that has a margin problem. Make sure the markup on each placement actually covers payroll costs, taxes and the cost of the funding.
For illustration only, not our terms or a typical outcome. An agency places fifteen workers with a new manufacturing client. Weekly payroll is $18,000 including taxes, and the client pays net 30. The agency carries about five weeks of payroll before the first invoice is paid, so roughly $90,000 must be covered. With $40,000 already in the bank, the owner needs about $50,000 in working capital to take the placement without delaying anyone's paycheck.
Yes. Sole proprietors and small agencies can apply.
Payroll is the main use in staffing, since workers are paid before clients pay the invoice.
Late payment extends the gap. Keep some buffer in the amount you choose.
It can fund the weeks of wages and taxes between starting the placement and receiving the first payment.
The application takes about five minutes, and funding can arrive in as little as 24 hours.
Three months of business bank statements and a 5-minute application. FICO 500+ considered. $25,000 to $5,000,000, funded in as little as 24 hours.
Apply Now →It takes about two minutes and it will not affect your credit score.
No obligation • No impact to your credit score
