Payroll financing — also called payroll funding — advances cash against your unpaid client invoices so you can make payroll while you wait 30 to 90 days to get paid. BuildUp Capital provides it as a receivables-backed line of credit for staffing agencies and other labor-based businesses whose clients are large, creditworthy companies or government agencies. You bill the work; we make sure payday isn’t waiting on your customer. Available nationwide.
Staffing is a cash-flow business. You pay your people weekly, but your clients pay their invoices on net-30, net-60, or longer. The faster you grow, the wider that gap gets — every new placement is more payroll out the door before the cash comes in. That’s the squeeze payroll financing is built to fix.
We advance against the invoices you’ve already billed to creditworthy clients, so payroll is covered on time, every cycle. As your billings grow, the line grows with them — funding expansion instead of capping it. Because we secure the line on receivables owed by large companies and government agencies, the structure stays sound as you scale.
How it works
Keep running payroll and invoicing your clients on your normal terms. Nothing about how you operate has to change.
Advance working capital against eligible invoices billed to creditworthy clients — enough to cover payroll and taxes without waiting on net terms.
As your clients pay their invoices, the line is repaid and freed up for the next cycle. The line scales with your billings.
Common questions