Make Payroll While You Wait on Net-60

Yes, this is the most common reason light-industrial and warehouse staffing agencies come to us. You pay your placed workers weekly the moment timesheets are approved, then often wait 30 to 60 days for the client to pay the invoice. Working capital advances the cash now so payroll, employer taxes, and workers' comp are covered while that invoice clears, and you repay as the money comes in. You don't have to choose a product up front, you apply once and we match you to the funding you qualify for.

Factoring converts your approved timesheets and client invoices into same-week cash instead of waiting out net terms. Because the cash that comes in scales with the payroll you have to fund, a recurring book of net-30 to net-60 staffing receivables is a natural fit. It sits second to working capital because we still lead you toward flexible capital that isn't tied to specific invoices and that also covers the pre-peak ramp and recruiting costs factoring can't, but if your problem is purely the receivable, factoring may be the cleanest match.

Yes. The funding covers the full cost of carrying your crew, not just the wages: the employer payroll taxes (FICA, FUTA, SUTA) and the workers' compensation accrual, which runs materially higher on physical-labor and warehouse class codes than on office work. That entire burden goes out alongside the weekly or daily pay, weeks before the client invoice is collected, and it's exactly the gap working capital is built to bridge.

Yes. Warehousing, fulfillment, and third-party-logistics clients build their crews in the fall ahead of the holidays, so you have to recruit, background-check, onboard, and start paying a surge crew weeks before that peak revenue lands, all on the same net-30 to net-60 terms. Working capital or a line of credit lets you pre-fund the doubled payroll so you can take the most profitable weeks of your year instead of turning them down.

Yes, and it's one of the most common situations we fund. Each new 50 or 100 worker account immediately enlarges the weekly payroll you have to front for 30 to 60 days before the first invoice clears. Many agencies are forced to decline a contract they've already won purely because they can't carry the float. Funding lets you say yes to the win and grow on contracts rather than on cash on hand.

No, there's no fixed requirement on your terms. Light-industrial staffing commonly bills net-30 to net-60 and sometimes longer, and the funding is built around exactly that gap between paying your crew now and getting paid later. We look at your monthly revenue and how you actually bill and collect, then match you to the funding that fits your cycle.

You stay the employer. Monera funds your agency's own working capital and receivables, we do not become a PEO or employer of record, we don't take over the employment relationship, and we don't process your payroll for you. We're also not financing your end-clients. We provide the capital so your business can make payroll and carry the net-term float while you stay in full control of your workers, your clients, and your back office.

Yes. Staffing firms are asset-light by nature: your balance-sheet value is your people and your receivables, not equipment or buildings, which is exactly why traditional collateral-based bank lending under-serves the segment. Our funding is built around your revenue and your receivables, not hard collateral, so being asset-light doesn't count against you.

Often yes. Client concentration is common in light-industrial staffing, where a single large warehouse or 3PL account can drive much of the book. We look at your overall revenue, billing history, and the makeup of your accounts. Concentration is one factor we consider, not an automatic no, and we'll tell you straight what we can do for your situation.

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 a payroll is due. All credit profiles are considered, your revenue and billing history matter more than a perfect credit score.

Anything the agency needs. Beyond covering weekly payroll, agencies use Monera funding to recruit and source workers, run background checks and onboarding, pay for applicant-tracking and scheduling software, pre-fund a peak-season surge, take on a larger contract, and open a new branch. You apply once and put the capital toward whatever the business needs next.

Working capital is flexible funding that isn't tied to any specific invoice, so it covers the whole problem: the pre-peak ramp, recruiting, employer taxes and workers' comp, and the payroll float. Factoring advances cash against approved invoices, so it scales tightly with your receivables but only funds what you've already billed. If your need is purely the net-term float on a clean book of invoices, factoring can fit. If you also need to fund the ramp and off-cycle costs, working capital is usually the better lead. You apply once and we'll match you to the right one for your gap.