Flexible payroll funding solutions that turn outstanding invoices into immediate capital, so you can pay your team without waiting on client payments
Built for businesses managing weekly or biweekly pay cycles, this financing solution turns unpaid invoices into immediate cash— ensuring your team is paid and your business keeps moving without interruption.
Ensure your employees and contractors are paid without delays—no matter when your clients pay
Access working capital from outstanding invoices without taking on loans or affecting your balance sheet.
Take on new contracts and grow your workforce knowing your payroll is fully supported.
Ideal for companies with tight payroll cycles and extended customer payments, payroll funding unlocks cash from outstanding invoices —ensuring your team gets paid on time and your operations stay on track.
Ensure your contractors and internal staff are paid on time, even when clients pay on extended terms—building trust and maintaining retention.
Bridge the gap between client invoicing and payment, giving you predictable cash flow to manage operations with confidence.
As you place more candidates and grow revenue, your funding increases—no need to reapply or renegotiate terms.
Confidently pursue new clients or bigger contracts knowing you have the capital to support higher payroll demands.
Payroll funding is based on your receivables, not your credit—so you can access working capital without relying on traditional loans or lines of credit.
With eCapital handling collections, your team can focus on recruiting, sales, and expansion—not chasing down payments.
Payroll funding is a financing solution that provides businesses with fast access to cash to cover employee wages—especially helpful for companies with long payment cycles or extended payment terms. It’s most commonly used in the staffing industry where payroll obligations must be met weekly or biweekly while customers may not pay for 30 to 90 days.
Rather than waiting for customer payments, businesses can use payroll funding to bridge the cash flow gap and ensure employees are paid on time.
Have more questions? Our experts are here to make funding simple, clear, and stress-free.
Meet Our Experts
A staffing agency secured a new national client requiring over 150 contract workers across multiple states within 30 days.
The agency needed to onboard and pay new temps weekly, but client payment terms were net-60—creating a serious cash flow gap.
eCapital provided payroll funding tied to approved invoices, giving the agency immediate access to working capital and enabling them to meet demand without delay.
A regional staffing agency specialising in healthcare placements secured a large new contract with a hospital network requiring over 100 new hires within 30 days.
The agency needed to recruit, onboard, and pay staff quickly—well before the hospital’s first invoice payment. Traditional bank loans were too slow, and internal reserves weren’t sufficient to front the payroll costs.
eCapital delivered a tailored payroll funding solution, enabling the agency to meet payroll obligations on time, every time. With access to capital tied to their receivables, the agency scaled operations with confidence, fulfilling the contract without compromising cash flow.
A retail staffing agency faced seasonal spikes during Q4, needing to hire hundreds of temporary workers with limited cash on hand.
Although billings would eventually rise, the firm had to pay hundreds of temporary workers weekly, long before receiving payment from client companies operating on 45–60 day terms.
Payroll funding from eCapital bridged the gap, giving the firm the liquidity needed to meet weekly payroll. The flexibility of the facility meant they could scale funding in line with seasonal needs—ensuring reliable pay for workers and uninterrupted service for clients.
A staffing firm expanded into a new geographic market to fulfill a government contract, doubling its payroll overnight.
With a limited track record and restricted access to credit, the agency didn’t qualify for a traditional loan but still needed to pay staff weekly while waiting for the first invoice to be paid.
eCapital offered a startup-friendly payroll funding facility, providing fast access to cash based on approved invoices. This helped the business meet payroll, build credibility with clients, and allowing the agency to grow confidently into new territory.
In this session, we share essential insights that every staffing agency should know when it comes to payroll funding.
Clients choose eCapital when they need an engaged, solutions-oriented, long-term credit partner with proven capacity, creativity, and continuity. Our expertise is customization—whether on a $5 million or $50 million facility, employing a meticulous, hands-on strategies.
Our tight-knit group of financing experts are agile and client-centric, yet backed by extensive resources with the scale to conquer any challenge. This means we are going to be a better credit partner through every business cycle, bringing capabilities and passion—as patient, flexible problem-solvers—other providers simply do not have. Our track record speaks for itself.
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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.
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.
An asset based loan is a secure loan based on the value of the assets within your staffing agency such as your accounts receivable.
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.
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.
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.
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.
