Four minutes. Three statements. One offer.
Apply for staffing agency funding in about four minutes. You need an application and your three most recent months of business bank statements; for factoring, add your A/R aging and client list. No minimum FICO for factoring or working capital. Offer in about four business hours, funded in 24.
Submitting the application does not affect your credit.
One application covers all five.
Every button below opens the same four-minute application. If you’re not sure which product fits, start anywhere — the underwriter will place the file.
What you need, exactly
- A four-minute application: legal entity name, DBA, EIN, address, owner name and date of birth, ownership percentage, last four of SSN, monthly billing, time in business, amount requested, and what it’s for.
- Your three most recent months of business bank statements as PDFs — four months if your placements are seasonal. Downloaded from your bank, not screenshots.
- For factoring: your A/R aging report, your client list, and a few sample invoices or client-approved timesheets.
- That’s it. No tax returns under $500,000. No business plan. No collateral for working capital. No minimum credit score for factoring or working capital.
What happens after you submit
- Within about 4 business hours on a weekday, an underwriter reads your file and we come back with an amount, a total payback, a payment and a schedule — or for factoring, an advance rate, fee and facility limit — or a decline with the actual reason.
- If you take the offer, you sign a two-page contract.
- A clean working capital file signed before 11:00 AM ET generally funds the same business day. A factoring facility opens in 3 to 5 business days, then each week’s invoices fund within 24 hours.
We will call you. We don’t run automated email sequences, so put a number on the application you actually answer.
Does applying affect my credit?
Submitting the application does not affect your credit. We review your business bank statements and receivables first. If you move forward on a credit-qualified product — a line of credit, a term loan, or SBA — a credit pull happens at that point and we tell you before it does.
Your information
Your full SSN and EIN are stored encrypted and are never displayed back on any screen, included in any email, or used in any AI system. Display surfaces show the last four digits only. See the privacy policy.
What a staffing agency needs to qualify.
Read this before you spend the four minutes. If you clear every line, apply. If you don’t, call and we’ll tell you what would change it.
| Factoring minimums | 3 months in business, $20,000 in open B2B invoices, no minimum FICO. We underwrite your clients’ credit, not yours. |
|---|---|
| Factoring facility | Up to $5,000,000. Up to 90% of each approved invoice advanced within 24 hours; the balance, less the fee, released when your client pays. |
| Minimum monthly revenue | $15,000 in business bank deposits for working capital, a line of credit, term loans and SBA. |
| Minimum time in business | 6 months for working capital and other products. 3 months for factoring. |
| Minimum credit score | None for factoring or working capital. 600+ for a line of credit. 650+ for a term loan. 680+ for SBA. |
| Funding range | $10,000 to $2,000,000 for working capital. $25,000 to $500,000 for a line of credit. Up to $5,000,000 for term loans, SBA, and factoring facilities. |
| Time to a real offer | About 4 business hours on a complete file. |
| Time to funding | 24 hours. Same day if a clean file is signed before 11:00 AM ET. Once a factoring facility is open, each week’s invoices fund within 24 hours. |
| Documents required | Application plus your 3 most recent months of business bank statements (4 months if your placements are seasonal). For factoring, add your A/R aging, client list and sample invoices or timesheets. |
| Contract length | 2 pages. |
| Repayment | Factoring: your client pays the invoice and the reserve is released to you. Working capital: fixed daily or weekly ACH from your operating account. No split funding. No holdback percentage. No lockbox on working capital. |
| Prepayment discount | Up to 30% off the remaining cost of funding when a working capital advance is paid off within the first 30, 60, or 90 days. |
| Whose credit counts | Your clients’, on factoring. A hospital system, a distribution center or a Fortune-size employer owing you money is the strength of the file. |
| Agency types approved | Light industrial and warehouse, manufacturing and skilled trades, nurse and travel nurse, allied and home health, IT and engineering, clerical and administrative, accounting and finance, event and food-service, construction labor, driver and logistics, security guard, janitorial, education and substitute, and direct-hire or executive search firms with a contract division. |
| Not required | Collateral for working capital. A business plan. Tax returns under $500,000. A minimum headcount on assignment. A specific payroll, timekeeping or VMS platform. |
| Open to | U.S. businesses with a U.S. business bank account. All 50 states. |
Four minutes. Three bank statements. No credit impact to apply.
Which one are you applying for?
| Product | Amount | Term | Speed | Min FICO | Min time in business | Minimum | Who underwrites |
|---|---|---|---|---|---|---|---|
| Invoice factoring | Up to $5M facility | Per invoice, 30–90 days | 3–5 days to open, 24 hours per invoice after | None | 3 months | $20,000 in open invoices | Timecard, in-house |
| Working capital advance | $10K – $2M | 3–18 months | 24 hours | None | 6 months | $15,000/mo deposits | Timecard, in-house |
| Line of credit | $25K – $500K | Revolving, 6–24 month draws | 1–3 business days | 600 | 12 months | $25,000/mo deposits | Timecard, in-house |
| Term loan | $50K – $5M | 6–60 months | 3–7 business days | 650 | 24 months | $40,000/mo deposits | Timecard in-house to $500K; bank partners above |
| SBA 7(a) / SBA Express | $50K – $5M | Up to 10 years working capital, 25 years real estate | SBA Express 10–21 days; 7(a) 30–45 days | 680 | 24 months | — | SBA-preferred bank partners, packaged by Timecard |
Invoice factoring, working capital and lines of credit are underwritten and funded in-house. SBA 7(a), SBA Express and term loans above $500,000 are packaged by Timecard and placed with bank and SBA-preferred lending partners. See disclosures.
Before you click.
How long does the application take?
About four minutes. You need your legal entity name, DBA, EIN, address, owner name and date of birth, ownership percentage, last four of your SSN, monthly billing, time in business, the amount you want, and what it is for.
What documents do I need to apply for staffing agency funding?
An application plus your three most recent months of business bank statements as PDFs — four months if your placements are seasonal. For factoring, add your A/R aging report, client list and a few sample invoices or signed timesheets. No tax returns under $500,000, no business plan, and no collateral for working capital.
Does applying affect my credit?
No. Submitting the application does not affect your credit. Timecard Capital reviews your business bank statements and receivables first. If you move forward on a credit-qualified product — a line of credit, a term loan, or SBA — a credit pull happens at that point and we tell you before it does.
What happens after I submit?
Within about 4 business hours on a weekday an underwriter reads your file and comes back with an amount, a total payback, a payment and a schedule — or, for factoring, an advance rate, fee and facility limit — or a decline with the actual reason. If you take the offer you sign a two-page contract. A clean working capital file signed before 11:00 AM ET generally funds the same business day.
Will you email me updates?
No. Timecard Capital does not run automated email sequences. We will call you, so put a number on the application that you actually answer.
How is my SSN and EIN handled?
Your full SSN and EIN are stored encrypted in a dedicated secrets vault, are never displayed back on any screen, never written into logs or email, and never placed into any AI or large-language-model system. Display surfaces show the last four digits only. See the privacy policy.
Four minutes. Three statements. One offer.
No minimum FICO for factoring or working capital. 3 months in business and $20,000 in open invoices to factor. All 50 states.