Make Friday payroll while your clients take 60 days
Payroll funding and invoice factoring underwritten mainly on your clients' credit — not just your personal score. Commercial financing only; approval not guaranteed.
Pick your staffing sector
The cash gap
VMS/MSP portal billing and 45–75 day hospital terms, while nurses expect pay every Friday.
How we structure it
Factoring that verifies through VMS portals, built around hospital and health-system payers.
Apply in 3 minutes — no loginOr call 1.877.977.3015 (Mon–Fri 9 AM–5 PM ET).
Payroll advance estimator
Estimated invoices outstanding at any time
$342,857
Typical advance range (80–90% of approved invoices)
$274,286 – $308,571
That's roughly 100% of the payroll you carry while waiting to be paid.
Educational estimate only, not an offer. Assumes billings ≈ payroll ÷ 75%. Actual advance rates, fees and approval depend on your clients' credit and invoice verification.
We never auction your information. Your file is reviewed confidentially by Trifecta Business Group and matched directly with vetted wholesale lending partners. Soft credit pull only — no impact to your score.
Questions, Answered
Often, yes. Factoring and payroll funding are underwritten mainly on your clients' ability to pay. Your credit, tax liens and history are still reviewed, and approval is not guaranteed.
Some programs notify your clients to verify invoices; others offer non-notification lines for larger, established agencies. We'll explain which applies before you commit.
Once approved and your client accounts are verified, advances on new invoices are often available within one to two business days. Timing varies by file.
Bank statements, an A/R aging report or sample invoices, a client list, and photo ID. Our application tells you exactly what to upload.