Updated · LoanHelp editorial team · Editorial policy · Not financial advice
Staffing agencies pay temps weekly while clients pay on net-30 or net-60 terms. Payroll funding usually means advancing against unpaid invoices — not a standalone payroll loan. Factors and lenders decide eligibility after reviewing your inquiry.
Illustrative example
Illustrative example — not a quote.
With $22,000 weekly payroll and 45-day client terms, you may need roughly $154,000 to cover about 7 payroll cycles before client cash arrives. Model your own numbers in the cash-gap calculator.
Common questions
- Is payroll funding the same as a payroll loan?
- In staffing, “payroll funding” usually means advancing against unpaid customer invoices so you can run weekly payroll — not a standalone payroll loan product. The funder looks at your clients’ credit and invoice terms.
- What do staffing factors review?
- Customer concentration, contract terms, timesheet and billing workflow, payroll tax compliance, and whether invoices are assignable. Bring aging reports and sample client contracts to your inquiry.
- When is a line of credit better than factoring for staffing?
- When you have strong financials, diversified clients, and can qualify for a revolving line without selling receivables each week. Factoring fits when net-30 or net-60 clients force you to pay temps before cash arrives.
- Does LoanHelp run payroll or approve staffing funding?
- No. LoanHelp is a referral service. Your partner sets advance rates, fees, and eligibility.
Recourse vs non-recourse factoring
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