How does invoice finance work for staffing and recruitment agencies?
Agencies pay staff weekly while clients pay monthly. FundTap brings forward an invoice you have already sent, up to 90% of it, ahead of the payroll run. FundTap shows the exact fee first and funds the same day once approved, from 4%. Your client is never contacted, and an unused limit costs nothing.
Last reviewed 19 August 2026
The Cashflow Challenge in Recruitment
Staffing and recruitment is one of the most cash-intensive industries. You pay your contractors and temporary staff every week or fortnight, but your clients pay invoices on 30, 45, or 60-day terms. The more people you place, the bigger the gap between what you pay out and what you receive.
This timing mismatch can limit your ability to take on new placements, even when demand is strong.
How Invoice Finance Solves the Recruitment Gap between invoicing and getting paid
With FundTap, you fund the invoices you have already sent to clients and receive the cash the same day. Use it to cover payroll, manage growth, and take on more placements without waiting for clients to pay.
- Fund weekly payroll from invoices issued to clients
- Scale placements without cashflow constraints
- No whole-ledger requirement, fund only the invoices you need
- Confidential, your clients never know
Why Recruitment Agencies Choose FundTap
- Funded the same day, critical for meeting weekly payroll
- No lock-in contracts or minimum volumes
- Single fee from 4% per invoice
- Integrates with Xero, MYOB, and QuickBooks
- Scales automatically as your placements grow
Common Scenario
You have 15 contractors on assignment billing $200,000 per month to three clients. Payroll is $160,000 per month, paid weekly. Your clients pay on 45-day terms. Without invoice finance, you need $240,000 in working capital to cover the gap. With FundTap, you fund each week’s invoices and cover payroll without strain.
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Frequently asked questions
Can recruitment businesses use FundTap?
Yes. Recruitment businesses that invoice their customers on payment terms can fund their unpaid invoices with FundTap to cover wages, materials and day-to-day costs while waiting to be paid. You choose which invoices to fund.
Will my clients know I am using invoice finance?
No. FundTap never contacts your customers. There is no debtor notification and your clients keep paying you directly.
How fast can a recruitment business get funded?
Setup takes about 30 minutes, approval is usually within 24 hours, and most invoices are funded the same day of approval.
Do I have to fund all my invoices?
No. You choose which invoices to fund, one at a time. There are no lock-ins, no minimums and no whole-ledger commitment.
What does it cost?
A single transparent fee per invoice you choose to fund, shown in full before you confirm. There are no setup fees, no monthly fees and no lock-ins, and the fee reduces if you repay early.
Yes. Recruitment and staffing is one of the most common use cases for invoice finance due to the mismatch between weekly contractor payments and monthly client billing.
You fund the invoices you have issued to clients and receive cash the same day. This cash can be used to cover contractor and temp payroll while waiting for client payments.
No. FundTap is completely confidential. Your clients continue paying you as normal with no notification.
No. FundTap has no minimum volumes or minimum invoice values. Fund as many or as few invoices as you need.
Invoice finance works for any B2B invoices. It is most commonly used for temporary and contract staffing where the payroll gap is ongoing, but it works for any invoiced recruitment service.