Industries · Staffing & recruitment
Payroll runs weekly. Your clients do not.
Every placement you make is cash out before it is cash in. We buy the invoices you have already issued, so the payroll run is funded the moment the timesheet is approved.
The problem
Growth in staffing is a cash flow problem, not a sales problem.
Winning a bigger account means a bigger payroll to fund before the first invoice clears. The agencies that stall are rarely the ones without demand.
Every week
Contractors expect payment
Temps, contractors and PAYE staff are paid on a weekly or fortnightly cycle regardless of when the client settles.
45 days later
The client settles
Corporate and public sector buyers pay on their own schedule. The bigger the client, the longer the terms.
The account you skip
The growth you cannot fund
A new contract with 40 workers on it is a payroll liability from day one. Without funding, you decline the win.
Your use cases
Where the cash gap shows up in an agency.
Every case below is funded the same way, by buying the invoice outright. Nothing changes in how you sell or who you sell to.
01 · Payroll
Funding the weekly payroll run
We purchase the invoices raised against approved timesheets and fund them immediately, so the payroll run never depends on which client happened to pay this week.
02 · Growth
Taking on a larger contract
A contract that triples your headcount triples your funding need before it pays anything. Funding scales with the invoices you raise, so a bigger win is not a bigger risk.
03 · Terms
Competing on payment terms
Enterprise buyers award work to the agency that can carry 60 day terms. We carry them for you, so the terms stop being the reason you lose the tender.
04 · Seasonality
Peak season staffing
Retail, logistics and events load their demand into a few months. Funding rises and falls with your invoicing, with nothing to pay on a quiet month.
How it works
Approved once, then it simply repeats.
Setup is a one-time review of your business and your customers. After that, funding an invoice is routine.
01 · Ledger
Submit the invoice
You send us the invoices you want funded, for goods or services you have already delivered.
02 · Diligence
We verify
We check the invoice and the credit standing of the customer behind it. Approval is a one-time setup, then it repeats.
03 · Purchase
We buy and pay
We purchase the receivable outright and pay you for it. It is a sale, not a loan, so nothing is added to your debt.
04 · Settlement
Your customer pays us
Your customer settles on their normal terms. You pay a fee on the invoices you sell and nothing on the ones you keep.
Structure
True sale
Speed
Days, not months
Pricing
Per invoice sold
Collateral
No personal guarantees
What it unlocks
What changes once the ledger is funded.
01
Payroll certainty
The weekly run is funded on schedule, independent of client payment behaviour.
02
Bid for bigger accounts
Take the contract that needs 40 workers on site next Monday.
03
Longer terms, offered safely
Give the terms the client asks for without carrying them on your own balance sheet.
04
No debt on the balance sheet
A true sale of receivables is not borrowing, so your leverage ratios stay clean.
Who qualifies
What we look for in a business like yours.
Other industries