Funding Built for Staffing & Recruiting Agencies

Staffing firms use funding to make weekly payroll, take on larger contracts, recruit and source candidates, cover back-office and compliance, bridge net-term receivables, and open a new branch or vertical. Funding ranges from $10,000 to $500,000.

Staffing runs on payroll-now, paid-later cash flow: placed workers are paid weekly while clients pay on net terms. Invoice factoring built for staffing receivables advances cash against those unpaid invoices so payroll never waits, and working capital helps you take on larger contracts.

Start with your own book: know your client payment terms, how often you run payroll, and how concentrated your receivables are in one or two accounts. Then apply online. Checking what you qualify for uses a soft credit pull that won't affect your score, with no obligation, and the review looks at your last 3 to 6 months of business bank statements. Approval typically comes within 4 to 8 hours, and funding follows in 24 to 48 hours.

Start with the structure, not the company name. Invoice factoring advances up to 90% of the value of invoices you have already issued and fits large receivables from creditworthy clients. Working capital funds the business overall without involving your clients, and a line of credit suits a gap that returns every cycle. On any offer, ask what the whole thing costs in dollars from start to finish, how the fee or payment is structured, and what happens if a client pays late. Also ask whether the provider bundles payroll processing, invoicing, and collections. Many staffing funders do, and Monera Capital does not.

Usually not in its first year. Most agencies that qualify have been operating for at least 1 year and generate $10,000 or more in revenue every month, so a brand-new agency with no billing history yet is usually too early. Past those thresholds, being young is not a barrier on its own, and checking where you stand uses a soft credit pull that won't affect your score.

Most staffing and recruiting firms qualify with at least 1 year in business and $10,000 or more in revenue every month. All credit profiles are considered, so a perfect credit score isn't required.

Funding ranges from $10,000 to $500,000, based on your revenue and the needs of your business.

Most applications are reviewed and approved within 4 to 8 hours, not the weeks a traditional bank can take.

Quite possibly. All credit profiles are considered, so past credit challenges don't automatically disqualify your business.

We offer multiple products, including business loans, working capital, business lines of credit, equipment financing, SBA loans, and revenue-based financing, and match you with the option that best fits your situation. Business loans, lines of credit, equipment financing, and SBA loans are offered through our funding partners.