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Financing and payroll funding for staffing agencies

Staffing agency financing advances cash against the invoices you’ve billed to clients, so you can make weekly payroll without waiting 30 to 90 days to get paid. BuildUp Capital provides it as a receivables-backed line of credit secured by invoices owed to large, creditworthy companies and government agencies. The line grows as your placements grow — funding expansion instead of capping it. Available nationwide; if you qualify, you’ll know quickly.

Staffing is the textbook cash-flow business. Payroll is due every week, but clients pay on net-30, net-60, or longer — and the faster you place, the wider that gap gets. Growth itself becomes the constraint: every new requisition is more payroll out the door before a dollar comes back in.

We finance the receivables you’ve already earned, so payday never waits on a client’s accounts-payable cycle. Because the line is secured by what creditworthy companies and government agencies owe you, it stays sound as you scale — and because it’s a line, not a one-time loan, it expands with your billings.

How it works

From unpaid invoice to working capital

Place and invoice as usual

Keep recruiting, running payroll, and billing clients on your normal terms. Your operations don’t change.

Draw against your invoices

Advance working capital against eligible invoices billed to creditworthy clients — enough to cover payroll, taxes, and burden without waiting on net terms.

Repay as clients pay

As clients pay, the line is repaid and freed for the next cycle. Available credit scales with your billings, not a fixed cap.

Staffing niches we finance

Common questions

Questions about staffing agency financing

How does staffing agency financing work?
You draw working capital against invoices you’ve billed to clients, cover payroll now, and repay as clients pay. It’s a revolving line tied to your receivables, so available credit grows with your placements rather than being capped like a term loan.
Can it cover payroll while I wait on net-60 clients?
That’s exactly what it’s for. You advance against the invoice the week you bill it, so payroll is funded on schedule even when clients pay on net-30, net-60, or longer.
Whose credit matters — mine or my clients’?
Both, but your clients’ credit carries real weight. Because we finance invoices owed by large, creditworthy companies and government agencies, the strength of who owes you is central to how we underwrite.
Is this factoring or a line of credit?
We provide it as a receivables-backed line of credit — you borrow against your invoices and keep your client relationships, rather than selling the invoices to a factor. We’ll explain the structure plainly before you commit.
How fast can a line be in place?
A real person responds within 24 hours, and we work to have a line ready well before your next pay cycle. We verify everything; we’re just built to move quickly.

How we structure it

Receivables programs behind this

Other industries we finance

All receivables financing →

Stop waiting on net-60 to fund your business.

Tell us who owes you. If your receivables are owed by large, creditworthy companies or government agencies, you’ll know quickly — and a real person responds within 24 hours.