Bridge cash flow gaps between invoicing and payroll with dynamic funding solutions.
Whether you’re supporting a team of 10 or placing over 10,000 employees, we understand the complexity and cash flow challenges that come with running a staffing and recruiting business. Managing payroll across multiple clients, contracts, MSP programs, and billing cycles requires more than just capital—it requires speed, reliability, and a financial partner who knows your industry inside and out.
That’s where we come in. Our payroll funding solutions are built specifically for staffing firms, giving you fast, flexible access to working capital so you can meet payroll on time, every time. With improved cash flow, you can focus on growing your client base, expanding your placements, and running your business more efficiently—without financial stress holding you back.
Backed by decades of industry trust
Our solutions are built for how staffing firms really operate—fast-moving, high-volume, and cash-flow intensive. We provide flexible access to capital that aligns with your billing cycles and growth demands, so you can stay focused on scaling your business without disruption.
Need help figuring out which solutions are best for your staffing business?
Our experts are here to make funding simple, clear, and stress free.
With nearly two decades of experience, we offer more than just capital—we deliver speed, flexibility, and tailored solutions that match the pace and complexity of your business. From reliable payroll funding to hands-on support, eCapital gives you the tools and confidence to scale, serve your clients, and stay competitive in any market condition.
Get same-day funding – up to $100MM- to cover payroll and operating expenses with no delays or guesswork.
Financing tailored to your billing cycles, client payment terms, high-volume payroll, ,MSP programs, and flexible to cover weekly, bi-weekly, or custom payroll schedules.
We base approvals on the value of your receivables, not rigid financial covenants – with options for recourse or non-recourse, notified or confidential structures.
Whether you support 10 or 10,000 employees, our funding solutions grow alongside your business.
Work with a team that knows staffing inside and out—so you spend less time explaining and more time scaling.
Our platform streamlines reporting, provides real-time availability tracking, and puts you fully in control of your cash flow.
A rapidly growing staffing agency specializing in light industrial placements needed reliable cash flow to cover weekly payroll for hundreds of contractors.
With client payment terms averaging 45-60 days, and payroll due weekly, the agency struggled to bridge cash flow gaps. Delays in receivables strained liquidity and risked their ability to pay contractors on time, putting talent retention and client relationships at risk.
eCapital provided a $5 million accounts receivable (A/R) financing facility that gave the agency fast access to capital tied to outstanding invoices. This solution ensured timely payroll, improved contractor retention, and positioned the business for continued growth.
A healthcare staffing firm secured a major new hospital group contract, increasing placement volume by 40% in under 60 days.
While the opportunity promised long-term growth, the firm needed a surge in working capital to onboard new clinicians, cover higher payroll, and manage credentialing and compliance costs upfront.
eCapital assessed the firm’s receivables and structured an $8 million A/R facility. The funding supported onboarding, credentialing, and weekly payroll for the expanded staff—allowing the firm to meet demand and solidify a valuable client relationship.
A staffing agency focused on light industrial and skilled trades placements experienced a sharp rise in demand during busy summer months, driven by contracts in manufacturing, distribution, and logistics.
The agency needed additional working capital to fund increased payroll for hundreds of temporary workers while waiting 45-60 days for client payments. Without added funding, they risked turning down new business during their busiest season.
eCapital provided a $3 million revolving credit facility backed by receivables. This allowed the agency to meet payroll, take on new contracts, and maintain operational stability throughout peak demand.
An IT staffing agency with Fortune 100 clients faced cash flow gaps caused by extended payment terms and unpredictable invoice cycles.
Long net payment terms (up to 90 days) on high-dollar contracts left the business struggling to maintain liquidity for payroll, recruiting, and benefits.
eCapital implemented a $6.5 million A/R financing solution, unlocking capital tied to invoices immediately after they were issued. This helped smooth cash flow, reduce financial stress, and support continuous talent placement without disruption.
We understand the fast pace and complexity of the staffing world—because we’ve been supporting it for nearly two decades. Our philosophy is simple: put agencies and their people first with funding that’s fast, flexible, and built around your business.
We believe in hard work, honest partnerships, and real support—not just financing your payroll, but helping you grow. With deep industry expertise, personalized service, and solutions tailored to your unique cash flow needs, we’re here to help you place with confidence and scale with ease.
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Staffing agency financing provides tailored funding solutions to help cover payroll, manage cash flow, and support growth. It’s designed to bridge the gap between paying your temporary workers and receiving payment from clients.
Most solutions are based on accounts receivable (AR) financing. You submit your client invoices to the lender, who advances a percentage of the invoice value—typically within 24 to 48 hours—so you can meet payroll and other operational expenses.
We finance a wide range of staffing firms, including those in healthcare, industrial, clerical, IT, professional services, and government contracting. Both new and established agencies can qualify, depending on revenue and invoice volume.
Financing ensures you have the cash on hand to meet weekly or bi-weekly payroll obligations—even if your clients pay on 30-, 60-, or 90-day terms. This gives you confidence to take on more contracts without cash flow concerns.
Yes. Financing provides the working capital you need to onboard more candidates, expand into new sectors, invest in recruitment tools, and pursue larger client contracts.
Staffing agency financing is more flexible than traditional loans. It’s often based on your receivables, not your credit score or collateral, and scales as your business grows—without restrictive repayment schedules.
It depends on the financing structure. With factoring, your clients may be notified and remit payments to a designated account. With confidential solutions or AR-based lines of credit, your client relationships remain unchanged.
Top-tier financing partners offer more than capital. They may help with credit checks on new clients, invoice management, collections, and financial planning to support your growth.
