Capital that runs payroll
on the same invoice.
Same-day advances against client invoices the morning payroll runs. Non-recourse options that move credit risk off your balance sheet. Lines that grow with each new contract — placed through staffing-specialty lenders.
Pre-Qualify
Get indicative set up payroll funding terms.
60-second pre-qualification. No credit pull. A Summit advisor responds within one business day.
The Reality
Friday's payroll runs on Friday.
Your client pays in 45 days.
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.
The Payroll Math
$100K weekly payroll. How the gap gets closed.
Out of pocket every week until the first client check clears. Most agencies can't.
92.5% advance on $100K of verified invoices. ~1.5–2.5% per invoice.
Credit risk transferred to the factor. You sleep through slow-payer drama.
At $5M of annualized billings, that's ~$100K/yr in financing cost to never miss a Friday. Most agencies eat 2× that in growth they couldn't fund.
Recommended Capital
The three facilities every staffing firm should know.
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.
From the Agency
What agency owners actually ask us.
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