Capital for staffing and services firms.
Payroll funding, same-day invoice factoring, and growth capital — placed through staffing-specialty lenders who advance against your client invoices the day payroll runs.
Overview
Staffing & Professional Services capital, structured for how operators actually work.
Staffing agencies and professional services firms run a structural cash gap: payroll is weekly, client payment is 30–90 days. Summit places payroll funding and factoring lines with staffing-specialty lenders that advance 90%+ against invoices same-day, plus back-office payroll processing and credit checks on your clients.
Industry Challenges
What we underwrite that banks won't.
Payroll runs every Friday; client payment lands 45 days later. Payroll funding eliminates the gap, advancing same day as the invoice.
One slow-paying client can crater cash flow. Non-recourse factoring transfers credit risk to the factor.
Banks cap lines based on historical revenue. Staffing-specialty lenders size lines to client AR — letting facilities grow as you win new contracts.
Recommended Capital
Best-fit funding for staffing & professional services.
Payroll funding programs purpose-built for staffing. Same-day advances at 90–95% against client invoices.
Supplemental revolving capital for onboarding, marketing, and back-office investment.
Larger ($1M+) staffing AR facilities with formula-based borrowing capacity that scales with growth.
Frequently Asked
Questions from staffing & professional services operators.
Is staffing payroll funding different from regular factoring?+
Yes. Payroll funding programs are designed around weekly payroll cycles and often include back-office services like payroll processing, tax filing, and client credit checks.
Do I have to factor every invoice?+
Most facilities are 'full notification' — all client invoices route through the factor — but spot factoring (selective invoices) is available for established firms.
How fast can I be funded?+
Most staffing factoring facilities are set up in 5–10 business days. Once live, individual invoice advances are same-day or next-day.
Next Step