Talk to an underwriter, not a call center.
Call (888) 896-5559, Monday to Friday, 9:00 AM to 7:00 PM ET. Offices at 9719 S Dixie Hwy #8, Miami, FL 33156.
Apply
Four minutes and three months of bank statements. Offer in about four business hours.
Partners
Signed application + 3 months of statements, submitted through the partner portal.
Timecard Capital
9719 S Dixie Hwy #8
Miami, FL 33156
Fastest way to get an answer
If you want a number, apply — it takes four minutes and you’ll have an offer in about four business hours. If you want to talk through whether factoring or a line fits before you apply, call. Either way you get a person who can read an A/R aging.
What to have ready when you call
Your legal entity name and EIN, roughly what you bill in a month and who your largest clients are, what terms they pay on, how long you’ve been open, what the money is for, and whether you currently have a factor, an advance or a loan outstanding. That’s enough for us to tell you what’s realistic in about five minutes.
We will call you. Timecard Capital does not run automated email sequences. Put a number you actually answer on your application, and a person who can read a bank statement calls you back.
Get a call back
The fastest way to a call is the four-minute application. Once it’s in, an underwriter calls you with a real number, usually in about four business hours.
Start your application →Rather talk first? Call (888) 896-5559, Monday to Friday 9:00 AM to 7:00 PM ET.
What a staffing agency needs to qualify.
Every number below is a real criterion. Factoring is the product most agencies start with, so its minimums come first. If you clear these, apply. If you don’t, call us 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.
Getting hold of us.
What are Timecard Capital’s hours?
Monday to Friday, 9:00 AM to 7:00 PM ET. The phone number is (888) 896-5559.
Where is Timecard Capital located?
9719 S Dixie Hwy #8, Miami, FL 33156. Timecard Capital funds businesses in all 50 states.
How do ISO partners submit a file?
Through the partner portal: the signed application and three months of business bank statements, plus the A/R aging and client list for factoring. See the partner program for commission terms.
Will I get an email with next steps?
No. Timecard Capital does not run automated email sequences. Confirmation is on screen, and a person calls you at the number you gave us — usually within one business hour during weekday hours.
Or skip the call and get a real number.
Four minutes, three bank statements, an offer in about four business hours.