Running a nurse staffing agency means balancing fast-paced scheduling, urgent placements, and nonstop payroll, all while waiting weeks for hospitals or clinics to pay. You fill critical shifts that keep patients cared for, but your cash flow often doesn’t match your workload.
This is not about poor planning. It’s about an industry where expenses hit daily, but payments crawl in slowly. The right funding partner can make all the difference. Invoice factoring helps you unlock cash from unpaid invoices, allowing you to pay nurses, hire staff more quickly, and grow with confidence.
Real Results: A Nurse Staffing Success Story
Elena runs BrightCare Staffing, a nurse staffing agency that provides travel nurses and contract RNs. When two hospital groups expanded their contracts, her payroll doubled, but payments still took more than 45 days.
Elena shared: “I didn’t need a loan with paperwork. I needed something fast that worked with how hospitals pay.”
We matched Elena to a factoring provider specializing in nurse staffing. Within two days, she received an advance covering 85% of her invoices. Payroll was handled efficiently, nurses were paid on time, and her agency continued to grow.
“They matched me with a funding partner who knew nurse staffing. Now, cash flow is one thing I don’t stress about anymore.”
The Hidden Strain on Nurse Staffing Cash Flow
Every nurse staffing agency owner knows the challenge: caring for people while cash flow runs thin.
- Slow payments. Hospitals and long-term care centers often take 30–60 days to pay invoices.
- Payroll never waits. Nurses, CNAs, and travel staff expect weekly paychecks no matter when clients settle.
- High upfront costs. You need to cover recruiting, onboarding, background checks, insurance, and other overhead costs before you can collect income.
- Seasonal surges. During epidemic outbreaks or holidays, payroll spikes while clients delay reimbursements.
Payroll Funding Made Simple: How Nurse Staffing Factoring Works
Factoring gives you access to the cash you’ve already earned. Here’s how it works for nurse staffing agencies:
- Send your invoices. Submit invoices for filled nursing shifts or healthcare contracts.
- Get paid quickly. Receive 70–90% of the invoice value in your account within 24–48 hours.
- Facilities pay as usual. Hospitals, clinics, or senior homes pay on their regular schedule.
- You collect the rest. Once payment is received, you will receive the remaining balance minus a small, agreed-upon fee.
A good factoring partner will tailor terms to fit your payroll schedule, invoice cycle, and growth stage, so you always have cash on hand when you need it most.
A report estimated the U.S. healthcare staffing market at $21.74 billion in 2024, with an expected reach of $35.81 billion by 2033, representing a compound annual growth rate (CAGR) of ~5.7%
Why Staffing Agencies Trust Our Guidance
We’ve helped many healthcare staffing companies find funding partners who truly understand this industry.
- We review your contracts, invoice volume, and payroll timing to understand your specific needs.
- We recommend a partner who specializes in healthcare staffing and serves businesses in your situation.
- Our service is free and based on years of experience helping agencies like yours.
When cash flow keeps pace with your business, you can focus on what matters most, supporting your nurses and your clients.
Nurse Staffing Factoring: Questions You Might Have
Q: How do I know which factoring company fits my agency best?
We analyze your client list, payment terms, and payroll needs to find a partner that best suits your needs.
Q: Can small or new staffing agencies qualify?
Yes. Even if you’re small, consistent invoices and steady contracts with creditworthy companies are enough to qualify.
Q: Can funding grow with my contracts?
Absolutely. As your invoices increase, your available advances increase too.
What Makes Us Different
We’ve seen the stress that comes with paying nurses on time while waiting for slow-paying clients. We connect you with partners who understand the nurse staffing sector, not just finance. We strive to achieve reliable cash flow, consistent payroll, and growth opportunities for your business.
Ready to Keep Your Agency Growing?
Your staffing business is unique. Let’s talk about your contracts, your invoices, and your cash flow challenges.
We’ll match you with a trusted funding partner at no cost, so you can focus on supporting caregivers, not chasing payments.
Analia Miguel is an MBA and former CPA with 20+ years in business finance and marketing, including 14 years in alternative business finance. She helps business owners understand their funding options and choose cash flow solutions that truly fit their needs.
Last Updated: October 15th, 2025
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