The situation
The recruitment cashflow problem is universal: pay contractors weekly or monthly, invoice clients on their terms, absorb the gap. Small agencies get strangled by growth without the right funding.
How we approach it
We route recruitment cases to specialist funders — some offer bundled back-office (payroll, credit control, invoicing) alongside the funding, others pure funding for agencies that already have their operations in hand.
What that looks like in practice
- Contractor payroll funded from day one against unpaid client invoices
- Up to 90% advance on placement invoices
- Bundled payroll/back-office options for smaller agencies
- IR35 and umbrella structures accommodated
- Concentration on single clients managed with bad-debt protection
Typical timeline
- Week 1Placement pattern, client base and payroll cycle reviewed.
- Week 2-3Facility structure, funder selection, contracts.
- Week 3-4Facility live, first advances.
Common questions
Are back-office / bundled services worth it?
For agencies under ~£1m turnover, usually yes — cheaper than building the ops function. Above that, pure funding usually wins.
What about temp vs perm placements?
Temp is the natural fit for IF. Perm invoices can be included but sometimes handled separately.
How do IR35 changes affect this?
Umbrella and outside-IR35 arrangements both fund fine with specialist providers. We navigate the structure at outset.
Fund payroll from day one
Send an outline of your placement pattern — we'll route to recruitment specialists who know this cashflow.