The agency wanted a revolving working-capital facility that could move with the debtor book, rather than another fixed-term loan. The agency gained a facility capable of growing with sales and supporting payroll, without having to apply repeatedly for new borrowing.
An established recruitment agency was growing quickly, but its cash-flow cycle was tightening.
Temporary staff had to be paid weekly, while a number of larger customers were paying invoices on 45- and 60-day terms. The business was profitable and growing, but the faster it grew, the more cash became tied up between payroll and customer receipts.
01
The requirement
The agency wanted a revolving working-capital facility that could move with the debtor book, rather than another fixed-term loan.
02
The challenge
The company did not want another large fixed monthly repayment, and it wanted to keep control of its customer relationships.
03
The structure
We arranged confidential invoice finance structured around the agency’s eligible trade debtors.
Because the facility was confidential, the agency continued to deal with its own customers.
04
The result
The agency gained a facility capable of growing with sales and supporting payroll, without having to apply repeatedly for new borrowing.
What our clients say
Simon has been fantastic in supporting my business to secure suitable funding across several deals. He is fair and always gives advice that is in the best interest of his clients. I would recommend them to anyone.
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How can a staffing business fund the gap between payroll and payment?
Common options include invoice finance and working capital facilities sized to the payroll cycle. The right lender sees that gap as the business model it is. See recruitment finance.
Is this a real transaction?
Yes. Every case study on this site is a transaction we arranged and saw through to completion. Client details are anonymised, and we only publish what we can verify: we never invent figures, rates or outcomes.
Do you lend the money yourselves?
No. Smart Funding Solutions is a credit broker, not a lender. We search a panel of 300+ lenders, present your case to the ones whose criteria fit, and manage the application through to completion. The lender makes the final decision and all finance is subject to status.
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Your business
Could this structure work for your business?
Every case is assessed on its own merits. These pages explain the finance used here and what lenders look at.
Client details are anonymised. Every case is different and past results don't guarantee future outcomes: lenders set their own criteria and all finance is subject to status.
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