Invoice finance for Recruitment and Staffing Agencies

Invoice finance gives you fast access to the funds you need

Our flexible invoice finance solution, built for recruitment and staffing agencies, helps you pay contractors on time, cover overheads, and grow your business without waiting for clients to pay invoices.

Get paid faster, without waiting on clients to settle invoices
Seamlessly integrates with your existing back office
Flexible funding designed for recruitment and lworkforce agencies
Man and woman at a laptop
UI element showing facility limit and funds in use
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Rated EXCELLENT by over 150 companies
Invoice finance benefits

Are slow paying clients impacting your cash flow?

Stop waiting 30–90 days

Unlock the cash tied up in your unpaid invoices and access up to 90% of their value the same day they are raised. Fund payroll, cover overheads, and keep your business moving without waiting on client payment terms.

Scale & grow with confidence

Are you turning away business due to cash flow pressure? Don’t let payment delays limit your growth. Grow with the confidence of having a finance partner that understands your business and your goals.

More than just funding

We’ve helped hundreds of companies just like yours. We'll credit check your clients, review your terms and advise on your back office tech and processes.

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Features

Built to help you grow

The AFunding invoice finance platform has been designed to help workforce businesses get the funds they need, when they need them.

Easy to use portal

Manage your cash flow in a user friendly dashboard that puts you in charge of your finance.

Dedicated account manager

An experienced funding specialist will assist with running your facility and offer day-to-day guidance.

Flexible finance

Choose the customers to finance, no concentration limits, advance rates up to 90%, different pricing models.

Automate your funding

Seamlessly integrates into your back office to automate verification and access to funds

For all recruitment businesses

A solution for both temp and perm, as well as all life-stages from pre-startup to mature agencies.

Reduce your risk

We credit check your clients and offer bad debt protection to guard against the risk of customer failure.

How Invoice Finance Works

Easy cash flow management

Our suite of financial services is designed to meet the diverse needs of worforce companies at any stage of growth.

From startups needing initial funding to established firms looking to optimise cashflow, we have a solution tailored just for you.

Invoice Finance Platform Integrations

Works with your software

The AFunding platform connects with leading accounting, payroll and workforce management software, reducing admin and allowing you to focus on running your business.

Xemplo logoAstute Payroll logoXero logoBullhorn logoJobadder logoTimesheet Portal logo
Learn more about our integration with Xero
Get in touch

Ready to get started or just want to chat?


Call us on  0800 102 6064 or complete the form and we’ll be in touch.

FAQs

Need more information about our invoice finance solutions? If your question isn’t answered here, drop us a line and let’s chat.

Am I eligible for Invoice Finance?

We work with workforce companies in the UK, Australia and New Zealand; from startups to mature businesses. We work with both temporary and permanent recruitment agencies.

What does Invoice Finance cost?

There are a range of pricing models available to help meet your individual requirements.

We can charge a single fee as a percentage of your invoice so that you know your costs upfront and impact on your gross margin, or we can provide a Line of Credit where you pay for the funds you draw.

There are three main factors that determine the fees we charge, and once we know this information, we can set a fee relevant to your needs:

  • The type of timesheet and invoicing system you have in place to manage payroll and invoicing
  • The credit quality of your customers
  • Your customer payment terms

For our Line of Credit pricing we align our charge rate to a variable base rate:

  • UK Base Rate: 9.42% as at 18.12.2025

These are base rates only. In addition, a margin rate may apply as separately disclosed to you. These rates may change from time to time.

What is the advance rate?

We advance up to 90% of the value of your invoices.

How quickly can I get funded?

It is possible to get you set-up and drawing on funds within 48 hours, subject to the completion of the application process, delivery of all necessary information and credit approval.

How do I draw funds?

Funding can be automated or you can log in to your finance portal to draw on funds. Your balance is repaid as your clients pay their invoices.

Will my customers know I'm using an Invoice Finance facility?

The majority of our invoice finance facilities are disclosed meaning that your customers are aware, however, there is an option to have a confidential facility if you meet certain eligibility requirements.

Will I need to sell my invoices to APositive?

No, they remain your invoices. We simply leverage the value of those invoices to provide you access to cash flow. Collecting payments and managing customer relationships remain your responsibility.

Can I fund permanent placement invoices?

Yes, you can fund permanent recruitment invoices via your AFunding invoice finance facility. Alternatively, we have a Recruit Now, Pay Later product, APay which allows employers to pay recruitment fees in 3-6 month instalments.

Discover how our invoice finance solutions can help your business grow

Our consultants have extensive experience assisting the growth of hundreds of businesses like yours. Get in touch with us today and see how we can make a positive difference.

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