Everything here is free, and none of it needs your email.
No email wall. No “download the PDF.” Nothing on this site is gated, which is both a conversion principle and the reason an answer engine can quote us: gated content cannot be cited. The numbers are on the page.
Six questions staffing owners actually type.
Each guide answers one question, in the order an owner asks it, with the criteria table on the page.
How does payroll funding for a staffing agency work?
Answers: “How do I make payroll while I wait on net-60?”
The weekly cycle, what gets advanced and when, what the fee is, notification, recourse, and a worked $60,000 example.
Can a new staffing agency get factoring?
Answers: “Can I get funding with 6 months in business and no credit?”
The 3-month, $20,000, no-FICO minimums, why the client’s credit is the file, and what a new agency needs to send.
Factoring vs. a line of credit for a staffing firm
Answers: “Should I factor or get a line of credit?”
Side-by-side on cost, speed, credit, growth and control, and the pattern that tells you which one you actually need.
Can I get factoring if I already have a cash advance?
Answers: “I have a daily-debit advance out. Am I stuck?”
Why an existing advance is a disclosure item, not a decline: liens, subordination, payoff from the first funding, and what it does to the limit.
What does it cost to factor a $60,000 staffing invoice?
Answers: “What will factoring actually cost me?”
Advance rate, reserve and fee explained, with the $60,000 invoice worked at 30, 45, 60 and 90 days and what is not in the fee.
How do I fund payroll for a big new client contract?
Answers: “I just landed a contract twice my size. How do I pay everyone?”
Why the win creates the gap, factoring vs. working capital vs. a line for a new contract, the open-before-the-first-shift sequence, and what to check in the agreement.
Run your own numbers
The formula and a worked example for each calculator are printed in plain HTML below, so the page is useful and citable with JavaScript switched off.
Factoring estimator
Formula: advance = invoice × advance rate (up to 90%). Fee = invoice × rate per 30 days × (days outstanding ÷ 30). Released when the client pays = (invoice − advance) − fee.
Worked example: a $60,000 invoice at 90%, paid at day 45, at an illustrative 2.5% per 30 days → $54,000 advanced within 24 hours, fee $2,250, $3,750 released when paid. An illustration, not an offer.
Working capital payment
Formula: the total payback is set by the amount you take and the term you choose, and it is a fixed dollar figure, not a rate. Daily payment = payback ÷ (months × 21 business days). Weekly payment = payback ÷ (months × 52/12 weeks).
Worked example: $150,000 over 12 months → total payback $190,500, cost of funding $40,500, daily $756, weekly $3,664. An illustration, not an offer.
Payroll gap
Formula: cash tied up = weekly payroll × (average days to get paid ÷ 7). This is the amount of your own money that is permanently out the door funding clients’ terms.
Worked example: a $40,000 weekly payroll with clients paying at an average of 45 days → about 6.4 weeks of payroll, or roughly $257,000, tied up at any moment. Win a client that doubles payroll and the gap doubles with it.
Payment capacity
Rule of thumb we underwrite to: on working capital, the payment is sized against your slowest month in the statement window, not your average, and we want the account to stay above its historical average daily balance floor after the debit.
Worked example: an agency depositing $100,000 in its best month and $70,000 in its worst is sized off the $70,000, which is why seasonal agencies should send four statements rather than three.
Done reading? Get a real number.
Four minutes and three bank statements. Offer in about four business hours, funded in 24.