Funding Built for Healthcare & Travel-Nurse Staffing

Yes, this is the most common reason healthcare and travel-nurse staffing agencies come to us. Your clinicians are paid weekly, but the hospital or health system pays your invoices on net-30 to net-60 terms, often 45 to 60 days. Working capital advances you the cash now so payroll is covered while those receivables clear, and you repay as the money comes in.

Factoring advances cash against your approved, creditworthy hospital and health-system invoices instead of making you wait the full net-45 or net-60 to collect. Your clinical receivables are high-value and owed by institutional payers, which makes them strong collateral, and the advance scales as your billings grow. It's a natural fit for the gap between weekly payroll out and hospital collections in. You apply once and we'll match you to working capital, factoring, or both, based on what fits.

In healthcare staffing, many contracts run through a Managed Service Provider (MSP) using a Vendor Management System (VMS), which lengthens the billing and approval cycle. We work with agencies whose receivables are mediated that way. Apply and we'll review how your invoices are billed and approved, then match you to the funding that fits your collection cycle.

Yes. A travel package isn't just wages, it's the tax-free housing and meals stipends that hit a traveler's first weekly check, often before you've billed an hour of the assignment. Working capital covers the full clinical pay package, stipends included, so you're not floating it out of your own balance while you wait on the hospital invoice.

Yes, and this is exactly the kind of pre-billable spend factoring alone doesn't solve. Before a nurse or allied clinician can work one billable shift, you complete credentialing: primary-source verification of license and certification, background checks, and healthcare-sanctions screening. Under the Joint Commission's Health Care Staffing Services certification, the firm itself is responsible for completing that verification for every clinical staffer it places, weeks to months of cash and staff time spent up front, per clinician, before any revenue. Working capital funds that float.

Yes. A large new contract means a wave of recruiting and credentialing spend before the first invoice ever goes out. Working capital or a business loan funds that ramp, so you can staff and credential to the contract instead of pacing your growth to whatever cash happens to be in the account.

Yes. Travel placement spans state lines. Clinicians practice across Nurse Licensure Compact (NLC) jurisdictions on a multistate license, but a placement in a non-compact state means additional state licenses, application fees, and renewals paid up front. Separately, about two dozen states plus the District of Columbia require the staffing agency itself to hold a state license or registration to place healthcare workers, typically with professional liability insurance. Each new state is paperwork, fees, insurance, and lead time funded before that market produces revenue, and working capital is built to carry it.

Yes. Healthcare staffing is asset-light: your balance sheet is receivables and people, not equipment or hard collateral, which is exactly why banks underprice the segment. They see thin margins and unpaid invoices as risk. We look at your actual revenue and how you get paid, not just a credit score, and we consider all credit profiles. A growing agency can be profitable on paper and still be short the cash to fund next Friday's payroll while last month's invoices sit unpaid, that timing gap is what we fund.

Approval typically comes within 4 to 8 hours, with funds following shortly after. That speed is the main reason agency owners choose us over a bank or an SBA loan, where the same request can take 30 to 90 days, long after payroll was due.

It's funding for your business, and you keep control. We provide flexible working capital, and factoring against your invoices when it fits, so you can cover payroll, stipends, credentialing, and growth. We are not a billing or revenue-cycle-management company that files or collects your claims, and we don't take over your back office or your client relationships. How you bill and who you collect from stays with you.

All credit profiles are considered. Most agencies we fund have been operating for at least 6 months and generate $10,000 or more in monthly revenue. Your billings and day-to-day performance matter more than a perfect credit score.

Only your agency's working capital. Because this is healthcare, it's worth being clear: we fund the staffing business itself, the weekly clinician payroll, fronted stipends, credentialing, licensing, and growth. We do not offer consumer or patient financing, we do not finance the patients your clinicians treat, and we are not the hospital's bill. Our capital goes to your company so you can run your business while you wait to get paid.