Where the pressure develops
Weekly or monthly payroll can create a predictable working-capital gap when end customers pay on 30, 45 or 60-day terms.
Sector focus
Fund payroll before clients settle invoices.
Weekly or monthly payroll can create a predictable working-capital gap when end customers pay on 30, 45 or 60-day terms.
What helps the assessment
Approved timesheets, invoices, customer payment terms and payroll profile. Clear information reduces avoidable delays and makes an initial fit discussion more useful.
What the facility must achieve
The facility needs to match the timing of the underlying commercial cycle and provide a credible route to repayment.
Sector-specific discussion
Bring the customer terms, expected funding cycle and any existing finance arrangements to the call.
Common questions
Questions to consider before applying
Can recruitment payroll be funded before clients pay?
Timesheet or invoice-backed finance may help where approved work is invoiced to credible business customers and the payroll cycle is clear.
What information is normally needed?
Approved timesheets, invoices, customer terms, payroll profile, debtor concentration and existing finance arrangements are typically relevant.
Does the facility grow with temporary-worker volumes?
An invoice-backed facility may scale with eligible sales, but limits and availability remain subject to the agreed structure and ongoing assessment.
Sector funding detail
When recruitment funding is likely to work.
The commercial pressure is simple: weekly payroll is due before clients settle timesheets. The right facility depends on evidence, debtor quality and how repeatable the gap is.
What lenders want to see
- temporary or contract workers generate approved timesheets
- end clients are established businesses paying on terms
- payroll pressure grows as placements increase
Documents that speed review
- aged debtor report
- sample client invoices and timesheets
- payroll or contractor schedule
- top customer list and payment terms
Products to consider
- Timesheet finance
- Invoice finance
- Selective invoice finance