Weekly payroll, monthly client terms. Invoice finance closes the gap so you can pay temps on Friday without waiting 60 days to be paid yourself.
A 30-temp tech agency invoicing £3m a year typically draws c. £225k a month against placements, covering payroll on Friday from invoices raised the same week.
The specifics that make or break a facility in this sector.
The best recruitment lenders bundle PAYE, NI and pension into the facility so wages, HMRC and pension all settle from a single weekly draw.
Underwriters look closely at AWR exposure, end-of-assignment fees and whether you're inside or outside IR35 on contractor placements.
A single end-client over 30% of the ledger usually triggers a concentration limit. Specialist lenders can stretch this with the right contract.
Temp margins are thin; perm placements are lumpy. Lenders price each stream differently and the right structure can save you 0.3 to 0.5% on service fee.
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What's your invoice worth?
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We benchmark your facility across a panel of specialist invoice finance and revolving credit lenders, and match you with the ones whose appetite fits recruitment & staffing. You get whole-of-market access from one conversation, at no cost to you.
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Yes. Most specialist recruitment lenders fund the gross invoice and settle PAYE, NI and pension contributions directly from the weekly draw.
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