Make Payroll While Your Clients Pay on Net Terms

Payroll funding is capital that covers your weekly payroll while you wait to collect from clients who pay on net terms. A staffing agency pays its placed workers, payroll taxes, and employer burden every week, but bills clients on net-30, net-60, or longer, so the money goes out well before it comes in. Payroll funding closes that gap. At Monera that can take the form of working capital, a business line of credit, or an advance against your client invoices, and we match you to whichever fits how your agency actually collects.

Approval typically comes within 4 to 8 hours, with funds following shortly after. That speed is the main reason staffing agencies come to us rather than a bank or an SBA loan, where the same request can take 30 to 90 days. Payroll has a date on it, and a funding process that takes a month does not help a payroll that runs on Friday.

Payroll funding describes the need, which is cash to cover payroll. Invoice factoring is one way to meet it. With factoring you sell your outstanding client invoices and receive up to 90% of their value up front, with the balance released minus a factoring fee once your client pays. It is a sale of receivables, not a loan, so it adds no debt. Working capital and a line of credit meet the same need differently: they advance cash against your business overall, without involving individual invoices or your clients. Many agencies use working capital precisely because it keeps their client relationships out of it.

No. We provide the funding only. Monera funds your staffing or recruiting business's working capital. We are not a back-office payroll-processing service, an Employer of Record, or a billing and collections vendor, and we do not bundle in certificate-of-insurance or workers' compensation administration the way full-service payroll-funding providers often do. Running payroll and billing and collecting from your clients stays entirely with you. If a bundled back office is what you need, that is a different kind of provider, and we would rather tell you that than sell you something we do not do.

Most agencies we fund have been operating for at least 6 months and generate $10,000 or more in monthly revenue, so a brand-new agency with no billing history yet is usually too early for us. If you have crossed those thresholds, being young is not a barrier on its own. Checking what you qualify for uses a soft credit pull that will not affect your score, with no obligation, so it costs nothing to find out where you stand.

Temporary and temp-to-hire agencies are the clearest fit, because that model carries the largest and most constant payroll float: you pay temporary workers weekly against client invoices that settle on net terms. Permanent placement and direct-hire firms have a different cash shape, with lumpy success fees paid after a candidate starts, and we fund those too. Most agencies run some mix of both, and we look at your actual revenue mix rather than a label.

Funding ranges from $10,000 to $500,000. What you qualify for depends mainly on your monthly revenue and how long you have been operating. If you fund through invoice factoring instead, the amount available tracks the invoices you have outstanding, which means it grows naturally as you place more workers, without reapplying each time.

No. Working capital and a business line of credit do not require you to assign or notify clients on every invoice the way a traditional factoring facility does, which is why many established agencies with strong direct client relationships prefer them. Factoring is available if you would rather fund the float through your receivables, but it is one option among several, not a requirement.

Yes. Healthcare and travel-nurse staffing carries one of the widest payroll gaps in the industry, because clinicians and travel stipends are paid now while hospitals and health systems work through long payment cycles. We have a dedicated page for that segment at /industries/staffing/healthcare-staffing/, and the same funding routes described here apply.

It depends on the route. For working capital and a line of credit we consider all credit profiles, and your billings and day-to-day performance matter more than a perfect score. For invoice factoring, approval depends primarily on your clients' creditworthiness and payment history rather than yours, which is why factoring often works for agencies whose own credit history is limited. If your credit is the obstacle, say so when you apply and we will point you at the route that fits.

Yes, and it is one of the most common uses. A peak season or a short project ramp means a payroll surge landing weeks before the receivables from it collect. Funding carries that surge and steps back down as those invoices clear, so you can take the work instead of turning it down because the timing does not line up.

For working capital, most agencies we fund have been operating at least 6 months, generate $10,000 or more in monthly revenue, and all credit profiles are considered. For invoice factoring specifically, you need to be a business that invoices other businesses or government entities, with outstanding invoices from creditworthy customers that are free of liens or encumbrances, plus an active U.S. business bank account and valid government-issued ID. One application covers all of it and we will tell you which routes you qualify for.