Industries we fund · Staffing Agencies
Working capital for staffing businesses
Staffing is a payroll-float business: you pay the workers this Friday, the client pays you in 30 or 45 days. Growth multiplies the gap.
Clearwater places staffing files with funding partners that already know the industry: $10K to $2M, sized off your real bank deposits, with no hard credit pull to apply. Searching for staffing business loans? What we place is revenue-based funding - an advance repaid out of daily deposits - and this page explains exactly how it prices so you can compare honestly.
How funders read a staffing file
Funders read staffing files knowing the model is float. Regular client remittances landing on schedule are the signal; concentration is the risk - a book where one client is 70 percent of deposits prices more cautiously than a spread book. Factoring is common in the industry and reads fine. The strongest story: a new client win where the advance covers the first payroll cycles until invoices turn.
What staffing businesses use the capital for
- Payroll float on new client contracts
- Bridging expanded headcount before invoices pay
- Workers-comp and insurance deposits
- Software and compliance costs at scale
What the numbers look like
Most files support roughly half to 1.4 times monthly bank deposits - where a file lands depends on deposit consistency, time in business, and existing positions. As an illustration only: a staffing business depositing $50,000 a month might see an advance around $45,000, repaid as about $283 per business day until a fixed $59,400 is paid. The total is fixed on day one - it never compounds or grows - and most deals carry prepayment discounts, shown with your offer.
| Advance range | $10,000 - $2,000,000 |
| Monthly revenue floor | $10,000 in business deposits |
| Time in business | 6+ months |
| Credit | Cash flow weighs more - scores from 450 workable |
| To apply | No hard credit pull. 4 months of statements + month to date |
Staffing Agencies funding questions
Our cash goes out weekly and comes in monthly. Is that fundable?
That gap is the industry, and it is exactly what working capital exists for. Your remittance rhythm across four months is what gets priced.
Does client concentration matter?
Yes - one dominant client reads as risk. If you have a spread of payers, the file prices better; if you are concentrated, a strong payment history with that client helps.
We already factor invoices. Can we still get an advance?
Often, yes. The advance prices off net deposits after factoring. Files carrying both are reviewed by a person - send it and we will tell you straight.
See your number, not a sales pitch
Two minutes, no hard credit pull, and the estimate is sized off your real deposits.
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