Industry Guide
MCA Funders for Staffing Agencies
Why Staffing Agencies Take Out MCAs
Payroll funding gap
The core problem — staffing agencies pay workers every week but clients pay invoices in 30-60 days. MCA bridges the gap so the agency can keep placing workers without running out of cash.
Scaling for a new contract
Landing a big client contract means hiring and placing dozens of workers immediately. Payroll for those workers starts before the first client invoice is even sent.
Workers comp and insurance premiums
Staffing agencies carry workers' compensation insurance for all placed employees. Annual premiums can be $50K-$200K+ depending on the industries served.
Recruiting and onboarding costs
Job board fees, background checks, drug testing, training, and onboarding expenses add up fast — especially for specialized or high-volume placements.
Office expansion
Growing into new markets means opening branch offices with local recruiters. Lease deposits, furniture, technology, and initial marketing all require upfront capital.
Technology and software
ATS systems, time tracking, payroll software, and client portals are essential for competitive staffing operations. These platforms charge annual or per-employee fees.
Staffing agencies are a natural fit for MCA because of the cash flow mismatch built into their business model — they pay workers weekly but collect from clients on 30-60 day terms. This gap creates a constant need for working capital, which is exactly what MCA is designed to solve. Most funders are comfortable with staffing deals if the agency has a solid client base.
Funders evaluating staffing agencies focus on the quality and diversity of the client portfolio. An agency with 10 active clients across different industries is a stronger deal than one dependent on a single large contract. Funders also look at deposit consistency — weekly payroll funding from clients should show up as regular, predictable bank deposits.
Deal sizes for staffing agencies range from $25K to $250K+. Larger agencies with multiple branches, diversified client bases, and established billing histories can qualify for significant advances. If your merchant is a staffing agency with consistent weekly deposits and a diversified client list, they're a strong candidate.
60 Funders Accept Staffing
Full Search →Verified funders are prioritized at the top of results. Scroll down to see all matching funders.
QFS Capital
VerifiedMin Revenue: $0/mo
Max Positions: 99
Defaults: ✕ No
App Funding Beta
VerifiedMin Revenue: $35,000/mo
Max Positions: 6
Defaults: ✓ Accepted
Black Rok
VerifiedMin Revenue: $30,000/mo
Max Positions: 99
Defaults: ✓ Accepted
GMFunding
VerifiedMin Revenue: $25,000/mo
Max Positions: 5
Defaults: ✕ No
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