PAYROLL FUNDING

MAKE PAYROLL ON TIME, EVERY TIME

Fast, reliable payroll funding solutions that get you the most money for your staffing business.

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See what we can do for your business.

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Let’s Talk

See what we can do for your business.

    By opting-in and submitting this form you consent to receive marketing email and text messages (e.g. promotions, product information, industry insights, etc.) from eCapital. See our Privacy Policy for further information.
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WORKING CAPITAL TO PAY YOUR WORKFORCE

Paying your workforce on time by meeting payroll is critical. But when you are waiting for your clients to pay, where do you find the cash? Our payroll funding solutions can get you the cash you need to make payroll, manage operations and achieve your business goals.

Payroll Funding, Get the Cash you Need

FAST FUNDING

Streamlined approval and setup process to get you the cash you need.

Payroll Funding with Flexible Terms

MORE FLEXIBLE

Scalable financing that adapts to your evolving needs.

Payroll Funding for Fast Cash

MOST MONEY

Maximize your working capital.

Payroll Funding by the Industry Experts

INDUSTRY EXPERTS

In depth understanding of the staffing industry.

HOW CAN WE HELP?

You’re working hard to build and grow your staffing company. Navigating through economic changes, adjusting to fluctuations in labor demand, and staying on top of day-to-day operations isn’t easy. But how you manage cash flow should be.

You need a responsive payroll funding company that is also a flexible financial partner who will support your business with the working capital it needs. eCapital’s payroll funding solutions are designed to suit your staffing company’s unique challenges, with a team of industry experts behind you every step of the way.

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Business growing fast?

Scale your payroll funding quickly to meet increasing demands.

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Trouble at the bank?

Put an end to tripping covenants at the bank and secure a reliable source of payroll funding.

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Want fewer restrictions?

Get a flexible payroll funding solution without the red tape–and more freedom to run your business your way.

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Just getting started?

We’ll quickly get you set-up with the cash you need so you can focus on growing your business

PAYROLL FUNDING SOLUTIONS

Whether you’re just getting started or looking for a new financial partner to help you take your business to the next level, let’s talk. We’ll work with you to tailor a payroll funding solution that meets your needs and exceeds your expectations.

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INVOICE FACTORING

The fastest way to make payroll. Unlock the cash in your outstanding invoices.

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ASSET-BASED LENDING

Retain greater control of your finances with the flexibility of an asset-based loan.

Payroll Funding Benefits

Tap into the Benefits of Payroll Funding

1

Easy Setup, Fast Approvals

Quick and efficient process that is much easier than qualifying for a bank loan or line of credit.
2

Improve Client Satisfaction

Maintain timely service clients and ensure contingent employees are paid on time.
3

Achieve Reliable and Steady Cash Flow

Confidently meet payroll obligations and cover business expenses with a predictable cash flow.
4

Speed of Funding

Quickly tap into your assets to generate the cash you need.
5

Financial Freedom

Enjoy maximum flexibility to make managing your finances a breeze.
6

Supports Growth

Ideal for businesses of all sizes and stages, from start-ups to enterprises.
7

Scalable Financing

As your company's sales and receivables grow, the amount of funding available through payroll funding can also increase in line with business growth.
8

Timely Payroll Processing

Ensures employees are paid on time, maintaining staff morale and avoiding disruptions in operations due to delayed salary payments.
9

Simplified Credit Requirements

The focus is on the creditworthiness of your clients rather than your business, making it an accessible option for businesses with less-than-perfect credit.

INDUSTRY-LEADING PAYROLL FUNDING

You won’t find a better payroll funding solution! eCapital is committed to helping your business grow and thrive by offering payroll funding for staffing companies that you can count on. With our faster, more flexible payroll funding solutions you will get the most money to support your business goals. See what our staffing industry experts can do for you.

24/7 Access to Your Cash

Manage your money your way. With eCapital Connect, our proprietary account management software, you are in control of your finances at anytime, day or night.

Fair & Affordable Rates

Our rates are the most competitive in the industry. We know what it takes to maximize your working capital and will customize a payroll funding solution to meet your needs.

Seamless Transition

We understand that making and covering payroll is critical to your business and financial disruption is not an option. We're pros at onboarding new staffing clients and our account management team is here for you every step of the way.

Facilities up to $50 Million

Access the funding your staffing business needs now and into the future. As your business grows, so does the financing available to you.

Tips & Advice

Tap into our in-depth knowledge of the staffing industry to better manage your business. Get smart, actionable advice and useful tips from staffing industry factoring company veterans.

No Hidden Fees

We believe in transparency in all we do. That means no surprises when it comes to our agreements.

INSTANT
TRANSFERS 24/7
eCapital InstaPay

INSTANT MONEY

Send money in an instant with eCapital InstaPay.

  • Transfer money in real-time.
  • 24/7 accessibility.
  • Seamless bank integration.
  • Fast and convenient way to transfer funds electronically.
  • Pay just $10 for instant transfers.
Get Started
eCapital Visa® Commercial Card

Simplify Your Expenses

Access your money anytime and simplify business expense management with eCapital Visa® Commercial Card.

  • Provide unlimited Visa® commercial cards to employees.
  • Set spending limits.
  • Restrict cards to certain types of purchases.
  • Easily track and control expenses.
  • Pay no annual fees or interest rates.
Get Started
ACCESS YOUR
MONEY ANYTIME
EASILY SEND
MONEY
eCapital Third-Party Payments

Streamline Payments

Easily send money to external parties with eCapital Third-Party Payments.

  • Securely send payments anytime, anywhere.
  • Make timely payments to vendors, suppliers, and partners.
  • Minimize errors and save time with centralized payment management.
Get Started

WHAT OUR PAYROLL FUNDING CLIENTS SAY

TomNew Jersey

They care about us, and I have the best account representative out there. I feel like she’s family.

VictorWashington, D.C

eCapital is twice as reliable as a hard lender and twice as cost-effective.

ScottMinnesota

We are very happy with our relationship with eCapital. Our account manager is the best! He is always easy to reach and happy to help with any questions we have – and he pushes things through when we need it.

AldoraNew Hampshire

Our account manager is phenomenal. The process and communication are excellent. We have been quite impressed, especially having a previous company as a point of comparison.

KenVirginia

eCapital helped me to set up my company’s factoring service within a couple of weeks. They walked me through the entire process and were a great help from beginning to end. I have worked with many banks in my past positions and I have rarely worked with someone who worked so quickly to make things happen.

AndiCalifornia

eCapital has been key in assisting without international expansion in North America and Central Europe.

ChrisNew Jersey

We researched and interviewed a number of factors and other lenders. In the end, eCapital’s formula for receivables financing was the best for our needs.

DavidCalifornia

We chose eCapital Commercial Finance at first because of their reputation and expertise in the apparel industry and we’ve stayed because of our relationship with their support team and the assurance we have that the money we need will always be there.

MaryWashington

eCapital worked with us to create a flexible financing platform that allows us to take advantage of opportunities as they arise, and we appreciate the team’s accessibility. Decisions are made and communicated quickly to avoid disrupting the business flow.

ShirishKentucky

When we meet with potential new business, we tell them that we have financial support from an international conglomerate. Our relationship with eCapital Commercial Finance allows us to take on additional business much easier than it would be working with a traditional bank.

JosephNew York

eCapital helps us overcome hurdles and just makes things easier. Equipment gets dropped off, we pick it up and handle everything - right across borders - until it reaches its destination.

GregColorado

One thing that eCapital does well is they're great on customer service on the day-to-day account manager's side. They're fantastic to work with. They do whatever they can help you and are always available, similar to how traditional banking worked 30 years ago.

KennethNorth Carolina

The whole financial package is just perfect for small companies. eCapital Commercial Finance’s solution addressed all of our problems. Every small company should have a lender that will work with them to overcome obstacles, like eCapital does.

LATEST WEBINAR

MASTER PAYROLL FUNDING SECRETS FOR STAFFING AND
RECRUITING COMPANIES

In this session, our team of experts share essential insights that every staffing agency should know when it comes to payroll funding.

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FREQUENTLY ASKED QUESTIONS

What is Payroll Funding?

Payroll funding is a financial service where businesses receive advance payments based on their outstanding invoices or future revenue, primarily to cover payroll expenses. This ensures that employees are paid on time, even if the company is waiting on client payments or experiencing temporary cash flow disruptions. Our payroll funding solutions include both invoice factoring and asset based lending.  

How does Payroll Funding work?

Typically, a payroll funding company will advance a percentage of the business’s outstanding invoices or projected revenue. The business can then use these funds to meet its payroll obligations. Once the invoices are paid by the clients, the business repays the advance to the funding company, along with any fees or interest.

What is an asset-based loan?

An asset based loan is a secure loan based on the value of the assets within your staffing agency such as your accounts receivable. 

Is Payroll Funding the same as a loan?

No, payroll funding is not a loan. It’s an advance on the business’s own revenue or receivables. This means it typically doesn’t incur debt on the balance sheet, and the qualification criteria may differ from traditional loans.

How long does it take to setup a Payroll Funding solution with eCapital?

The time it takes to set up a payroll funding solution varies and is dependent on the solution and the complexity of your business. Invoice factoring is the fastest, with set-up in days. Asset based loans involve more due diligence and generally take a few weeks.  

How fast can I access funds through Payroll Funding?

The speed of access to funds can vary by provider, but here at eCapital, we offer payroll funding services with quick turnaround times, often providing funds within 24 to 48 hours after approval.

 

 

 

What types of businesses use Payroll Funding?

Businesses across various sectors use payroll funding, especially those with inconsistent cash flow or long invoice payment cycles, such as staffing agencies, consulting firms, and companies in the construction, manufacturing, and service industries.

 

 

How do asset based loans compare to a bank loan or a credit line?

Asset based loans are usually easier to qualify for than a bank loan or credit line as the facility is backed by your staffing business’s receivables and assets. You just need to show a track record of profitability and strong financial controls.

 

Let's Talk

See what we can do for your business.