Make payroll, every week.
Your clients pay invoices in 30+ days, but payroll is due every week. We fund your invoices so you have the cash to pay your people on time. You get a dedicated account manager who picks up the phone. As you grow, that same relationship opens the door to bank financing, so your funding partner can keep pace with you.
To qualify for same day funding, complete paperwork must be submitted by the 1:00 p.m. CT cutoff time M-F. All funding is subject to initial application approval.
Meet Pierce Stavens & Rob Harjung at Staffing World.
Oct. 12–14, 2026 · Denver, CO · Booth 1213. Ready to never sweat payroll again? Come find us.
Connect with Pierce & Rob →Payroll is due this week. The client pays in 30+.
Payroll funding turns your approved client invoices into cash the same day, you sell the receivable to Integra and get funded the same day, less a small fee, so you can run payroll this week on revenue that won’t arrive for a month or more.
Staffing is the textbook case for factoring: your biggest cost, wages, plus payroll taxes and burden, goes out weekly, while clients pay monthly. It is not a loan; you are selling receivables you already earned by placing workers.
You can’t grow an agency you can’t make payroll for.
The cruelest math in staffing: the contract that should transform your business is the one most likely to break it. More placements mean more payroll due, but the same 30+ day wait before a dollar comes back. Agencies routinely turn down growth because they can’t float the wages.
Payroll funding removes the ceiling. The line scales with your billings, so the big contract funds its own payroll from week one. Integra funds the agency you’re becoming, not the one on last year’s tax return.
See how the three-step process works →We fund every staffing specialty.
Integra funds staffing agencies across specialties, billing creditworthy commercial and institutional clients. If you place workers and invoice a business for their hours, there’s a payroll-funding program for you.
Light industrial & warehouse
The highest-volume staffing segment, warehouse, production, and logistics labor with large weekly headcounts and tight margins.
- Warehouse & fulfillment
- Production & assembly
- Logistics & 3PL labor
- High-volume weekly payroll
Clerical & administrative
Office, call-center, and administrative placements billing corporate and institutional clients on standard commercial terms.
- Office & clerical
- Call center & CX
- Accounting & finance temp
- Corporate clients
IT & professional
Higher-bill-rate technical and professional staffing, where a few placements carry large payrolls and longer client terms.
- IT & software contract
- Engineering & technical
- Professional & SOW
- High bill-rate placements
Healthcare & medical staffing
Nurse, allied-health, and per-diem staffing billing hospitals, facilities, and health systems on extended institutional terms.
- Travel & per-diem nursing
- Allied health
- Long-term care & SNF
- Facility & health-system clients
Hospitality & events
Event, hospitality, and seasonal staffing with spiky payrolls, exactly where funding that scales up and down earns its keep.
- Event & venue staffing
- Hospitality & F&B
- Seasonal & peak labor
- Spiky payroll cycles
Security & facilities
Guard, janitorial, and facilities-services agencies with continuous coverage contracts and weekly payroll obligations.
- Security & guard services
- Janitorial & custodial
- Facilities & grounds
- Continuous-coverage contracts
A bank backing your payroll. Not a broker reselling someone else’s money.
A bank division, not a private factor
Integra is a division of T Bank, N.A., a federally chartered bank, held to the same regulatory, capital, audit, and anti-money-laundering (AML) standards as any U.S. bank.
Your end clients remit to Integra, a bank-owned funder, not a third-party finance company. That matters for VMS’s, MSP’s, and government clients with vendor compliance requirements.
Built for staffing cash flow
Weekly funding cycles, VMS portal verification, timesheet-driven advances, and MSP-approved billing workflows, designed around how staffing actually runs.
We designed a funding program specifically for the staffing industry. It bridges the gap between clients who pay in 30+ days and a payroll you have to meet every week.
Room to grow with the bank
When your firm outgrows factoring, T Bank already knows your business. Acquisition financing, SBA loans, and growth capital are one conversation, not a new lender relationship.
When your business is ready for the next step, Integra can introduce you to T Bank’s commercial lending team. One conversation, one relationship, no starting over.
From timecards to payroll, same day.
A/R funding, also known as factoring, is not a loan. You’re advancing cash on invoices you’ve already earned — not borrowing against them. Here’s what to expect, from first call to funded.
Apply & get approved
Submit the short form to get started. Approval depends primarily on the credit of who pays you (your staffing clients), so new and growing companies qualify.
Onboarding & setup
You provide a few standard documents and sign the agreement. We set up your account, give you portal access, and introduce your dedicated account manager.
Submit invoices, get paid
Upload your invoices through the portal. We verify and advance the funds, same business day before the cutoff. Repeat as your business runs.
To qualify for same day funding, complete paperwork must be submitted by the 1:00 p.m. CT cutoff time M-F. All funding is subject to initial application approval.
No minimums. You decide which clients to fund, and when.
A staffing A/R funding program should flex with payroll, not fight it. Integra is built for that: fund the weeks and the clients you actually need to fund, leave the rest alone. Combined with a direct line into T Bank, it is a combination few funding partners offer.
Fund one week, nothing the next.
No minimum volume. No volume minimums. No penalty for slow weeks. If your largest client pays early and you do not need funding that week, you simply do not submit an invoice.
You select the clients to fund.
Fund the accounts that strain cash flow: the large hospital systems, the government payors, the VMS and MSP clients with long approval cycles. Your other clients stay on your own books, paid directly to you.
No hidden fees. Terms disclosed upfront.
Every charge is disclosed in writing before you sign. No surprise deductions, no fees buried in the fine print. We tailor competitive rates to your situation and put them in front of you clearly.
One partner today. More possibilities tomorrow.
As staffing firms grow, their financing needs become more complex. With Integra and T Bank, you have a partner that can support your business today and help fund tomorrow’s opportunities without changing lenders along the way.
Most funding partners will refer you to a bank when you outgrow them. We just walk you down the hall.
Integra Funding Solutions is a division of T Bank, N.A., not a partner of, not a referrer to. Your factoring file is your bank file. When you are ready to talk about an acquisition, a line of credit, or an SBA loan for an acquisition, you are not starting a new lender relationship. You are extending the one you already have.
Staffing firms regularly field inbound acquisition interest. That shortcut is the difference between closing a deal and watching a competitor close it instead.
“Pierce can have you on the phone with a T Bank commercial lender quickly. One relationship. Same credit committee.”
From payroll funding to platform acquisition. One relationship.
One Integra team · one credit committee · same file moves through the bank as your business grows.
When you’re ready to acquire another staffing firm, Integra can provide the capital you need throughout the transition. When it’s time to move into long-term financing, T Bank already understands your business, helping simplify the process and make the next steps easier.
Clean, bank-maintained A/R records, a verified funding history, and a clear transition path make due diligence faster and the valuation conversation cleaner.
With Integra, you can choose the accounts that make the most sense to fund. As your ownership structure evolves, we’ll help move you into the financing solution that best fits your changing needs. Because Integra is part of the T Bank family, the team already knows your business, making the transition clean and straightforward.
From turning down contracts to sustained growth.
A light-industrial staffing agency kept hitting the same wall: every new warehouse contract meant a payroll spike it couldn’t cover, so it kept saying no to growth. With payroll funding in place and A/R support, the agency’s monthly billings more than doubled.
Monthly billings in the $150K-$300K range, payroll covered every week.
The agency had strong client relationships and a pipeline of warehouse contracts it couldn’t take. Each new account added significant weekly payroll obligations due long before the client’s 30+ day invoices paid.
A payroll-funding line sized to their billings closed the cash-flow gap. The agency began accepting contracts it previously had to decline. Monthly billings reached the $150K-$300K range, with no new administrative hires in the office.
Talk to a staffing consultant about your agency →
To qualify for same day funding, complete paperwork must be submitted by the 1:00 p.m. CT cutoff time M-F. All funding is subject to initial application approval.
We understand how a staffing agency actually runs.
Every Integra staffing underwriter understands the unique financial demands of staffing, from cash flow and payroll timing to gross margins and back-office operations.
Payroll is covered
Funding is built around your payroll calendar, submit invoices and the cash is there in time for the payroll run, every cycle.
Gross-margin pricing
We understand staffing margins. Our advance rates and fees are designed to support the economics of the staffing industry.
Big-client books
Having one or two major clients doesn’t automatically disqualify you from funding. We evaluate the creditworthiness of your customers rather than penalize you for customer concentration.
Managed-service programs
MSP and VMS programs come with unique billing and payment processes. We understand how they work and tailor funding solutions to support those programs.
Client vetting
We monitor your clients’ credit so you know which accounts are safe to grow and which to watch, before a big receivable goes bad.
Trusted banking standards
As part of T Bank, N.A., Integra operates under federal banking standards, providing an added layer of oversight, compliance, and protection for your business.
Talk to our staffing team
Our staffing team will review your payroll cycle and tailor a funding solution before you commit.
Headquartered in Fort Worth, Texas, funding staffing agencies nationwide.
Integra Funding Solutions is headquartered in Fort Worth, Texas, funding staffing agencies in all 50 states. Wherever your agency is based and whoever your clients are, the receivable is what we fund.
Our staffing team understands the differences between warehouse, healthcare, clerical, professional, and IT staffing firms, including their margins, payroll cycles, and client payment terms. We tailor each funding solution accordingly.
Call M-F 9a-5p CT and speak with a real person: (866) 552-8536.
- Nationwide All 50 states
- Fort Worth, TX Headquarters
- Funded same day By 1 PM CT cutoff
- No volume minimums You choose what to fund
- Dedicated account manager A real person
- Bank-owned Division of T Bank, N.A.
Real people who know staffing.
You work with dedicated people who handle staffing accounts every day, not a call center, bots, or phone queues. Behind them sits a dedicated credit and underwriting team.
Backed by a dedicated credit and underwriting team (gross-margin and client-concentration review) on every funded account.
Straight answers from people who fund staffing every week.
The questions we hear most from agency owners evaluating payroll funding. If yours is not here, call Pierce or Rob directly. They will give you an answer right away.
NEW · THE COMPLETE GUIDEPayroll Funding for Staffing Firms: The Complete Guide, by Pierce Stavens →What is staffing factoring / payroll funding?
It is the sale of approved client invoices for an immediate cash advance of a large portion, less a small fee, so you can make weekly payroll without waiting 30+ days for clients to pay.
It is not a loan; you’re selling receivables you earned by placing workers.
How is staffing factoring different from regular factoring?
Staffing has a unique cash-flow shape: payroll (plus taxes and burden) goes out weekly while clients pay monthly. Our program is built around the payroll calendar, with advances against invoices.
Do you fund startup and fast-growing agencies?
Yes. Payroll funding scales with your billings. A new agency that lands a large contract can fund that payroll from day one, because funding is based on the client’s credit, not your operating history.
Will my clients know I use payroll funding?
A standard Notice of Assignment directs clients to pay Integra, routine for large staffing buyers and procurement teams. It’s not a sign of distress; many of the largest staffing firms fund payroll the same way.
How does pricing work?
Integra funds a large portion of the invoice up front, with the remainder paid, less a small fee, once the client pays. Pricing is quoted rather than a fixed number, and reflects client credit, gross margin, and volume. We tailor competitive rates to match your situation.
How fast can a staffing agency get funded?
Initial onboarding is a one-time setup, for client verification and setup.
Once live, approved billing submitted before the daily cutoff funds the same business day, in time for the payroll run.
Ready to never sweat payroll again?
Two ways to start. Pick the one that matches where you are, we’ll route you to a named staffing consultant within one business day.
Get a custom rate
Answer a few quick questions about your agency. We’ll contact you with any questions and provide a custom quote. No documents needed yet, no fee, no obligation.
Start the form Custom quoteTalk to a specialist
A real person who works staffing accounts every day, on the line. No phone tree, no script, no call center.
(866) 552-8536 Speak with a real person, M-F 9a-5p CT