Short answer
Merchant Fund Express funds existing staffing and B2B service franchise owners with invoice factoring, lines of credit, working capital, business loans, merchant cash advances, revenue-based financing and equipment financing from $5,000 to $5,000,000. Staffing offices most often use invoice factoring on open invoices to business customers on 30–90 day terms, so payroll is covered the week the work is done. Send the application, three months of business bank statements and ID; a complete file usually gets a decision in 2–4 hours.
The staffing cash gap, in one week
A client signs for twenty extra workers. You recruit, onboard and put them on site Monday. Friday, you run payroll for twenty more people. The invoice for that week goes out Monday, and the client's terms say 45 days. Every new order you win makes the gap wider. That is the single problem most staffing owners call about, and it has a direct fix.
Payroll on new orders
Weekly payroll for placed workers before the client invoice is paid.
Recruiting spend
Job boards, background checks, drug screens and onboarding hours.
Office expansion
A second branch office, desks, phones and an extra recruiter.
Technology
Applicant tracking, time-keeping and payroll software upgrades.
Match the need to the funding
| If you need to… | Fits | Why |
|---|---|---|
| Turn this month's client invoices into cash now | Invoice factoring | Advance against open invoices to business customers on 30–90 day terms |
| Cover payroll swings week to week | Business line of credit | Draw and repay as clients pay |
| Ramp up for a big new contract | Working capital | One-time ramp cost, repaid from the new billings |
| Open a branch office off a profitable one | Second location | Sized on the open office's deposits |
| Fund a bigger growth plan in one shot | Franchise business loan | One lump sum, one payment |
| Buy computers, phones, a van for crews | Equipment financing | The asset anchors the deal |
Not sure whether a credit line or a lump sum is the better tool? Read Line of credit vs working capital.
How a staffing office's deposits read
Staffing deposits arrive as large ACH payments from business clients on a lag, while payroll leaves on a strict schedule. A reviewer looks at client concentration, how reliably clients pay and how payroll tracks billings. A short list of your top clients and their payment terms answers most questions before they are asked. Factoring decisions lean on the quality of the business customers behind the invoices, which is why a newer office with strong clients can still move fast.
B2B service franchises outside staffing, such as business coaching, sign and print services, commercial maintenance or courier work, read the same way when they invoice companies. If you bill consumers instead, factoring does not fit and a merchant cash advance or revenue-based financing usually does.
Every brand in this sector
Light industrial, clerical, healthcare staffing, executive search and B2B service franchises are all welcome. If your franchise bills other businesses, Merchant Fund Express funds it on the office's own receivables and deposits.
Running a brand that is not named here? Put the brand on the application. Merchant Fund Express funds the location on its own deposits, whatever the logo over the door.
How fast it moves
- Apply in about 4 minutesName your brand, the office you operate, the amount and the use.
- Upload statements and IDThree months of business bank statements for the entity that owns the location, plus photo ID for each owner.
- Decision in 2–4 hoursMerchant Fund Express reads the deposits and current payments and comes back with the structure and the amount.
- FundsSame-day funding is available; funding often lands the next business day. Most files go from application to funds in under 72 hours.
Each office in its own LLC? Apply per entity; see Separate LLCs.
What to send
No tax returns to apply. 500+ FICO accepted. Sole proprietors are eligible, Spanish-speaking support is available and ITIN applicants are accepted.
Owner questions, answered
Can a staffing franchise factor its invoices?
Yes. Merchant Fund Express offers invoice factoring on open invoices to business customers on 30–90 day terms, which is how many staffing offices cover payroll.
Is factoring or a line of credit better for staffing?
Factoring grows with your billings and leans on your clients' quality. A line of credit is a fixed limit you draw on. Many offices start with factoring; the specialist matches the file.
How fast is a decision?
A complete file usually gets a decision in 2–4 hours, and same-day funding is available.
Can I fund a new staffing franchise territory?
An open office's deposits can fund growth into a new branch. Startup capital for an office with no operating history is not offered.
Are you affiliated with any staffing or B2B franchise?
No. Merchant Fund Express is independent and has no ties to any staffing or B2B franchisor.
Keep going
Merchant Fund Express is a separate company with no franchisor ties. Terms depend on the business's revenue and history.