Business funding for labour hire and recruitment

Labour hire firms carry one of the most predictable but demanding cash gaps in business. Placed workers must be paid every week, while clients pay invoices on terms. The more workers placed, the bigger the gap, which means fast-growing agencies often feel the pressure most.

Understanding cash flow in labour hire firms

Timesheets are approved weekly, workers are paid, and the client is invoiced. Payment follows on terms that range from 14 to 60 days. Payroll tax, workers compensation and super add further obligations, and from 1 July 2026 super is due with each pay cycle. Permanent recruitment fees arrive in larger, less frequent amounts.

Common pressure points

• Weekly payroll for placed workers.
• Clients paying on long terms or late.
• Rapid growth from a new client.
• Payroll tax and workers compensation.
• Payday super from 1 July 2026.

Curious where you would stand? Ask us directly. Enquiring leaves your credit file untouched, and you will hear back from someone who has actually read what you wrote.

Options worth considering

Funding	Why it suits labour hire firms
Invoice finance	Weekly invoices to clients, grows with placements
Line of credit	Payroll tax, super and timing gaps
Working capital loan	Onboarding a large new client
Property-secured loan	Larger growth or tax catch-ups

What lenders look at

• Client quality and payment history.
• Margins between charge and pay rates.
• Payroll tax, super and workers compensation compliance.
• Client concentration.

For larger amounts, or when the statements do not yet show the full picture, property security from $20k to $5m changes the assessment. No valuation is needed, and repayments can be deferred by paying interest up front or capitalising it.

Getting your file ready

A strong application from labour hire firms tells a simple story with numbers that back it up: here is what the business earns, here is the gap, here is what the money will do and here is how it comes back. If anything in your history needs explaining, such as a default, a tax debt or a recent change of structure, put it in the enquiry rather than waiting for it to be found.

A worked example (illustrative)

A Perth labour hire agency places 60 workers with construction and logistics clients on 30-day terms. Winning a warehouse contract adds 25 workers and about $70,000 a week in payroll. Invoice finance advances most of each weekly invoice, so payroll is covered from the agency’s own billing rather than the directors’ savings.

Habits that ease the cash squeeze

Invoice weekly, get timesheets approved quickly, check client credit before taking on big accounts and price placements with margin for payroll tax and super.

Quick recap

• Workers are paid weekly; clients pay on terms
• Growth widens the payroll gap automatically
• Invoice finance tracks your placements
• Payroll tax and payday super add timing pressure

What to expect from us

After you enquire, a real person picks up your details and calls to talk through the purpose, the timing and how the money will be repaid. Unsecured funding is assessed mainly on bank statements and turnover. Property-secured funding is assessed on the property, with no valuation required, and interest can be prepaid or added to the loan. You see the total cost before you commit, and the credit check only happens once you decide to proceed. If the timing is tight, tell us the deadline on the first call so the work can be planned around it.

Funding or another fix?

Funding works best when three things are true: the need is specific, it is temporary or it pays for itself, and there is a clear source of repayment. If all three hold, the right loan can take real pressure off the business. If the business is losing money month after month with no change in sight, borrowing only postpones a harder decision, and we would rather say so than arrange a loan that makes things worse.

Getting your details together

A short checklist before you send the enquiry. None of it takes long, and together it heads off the most common causes of delay:

• Know the amount you need and what it will pay for.
• Check your recent bank statements so nothing in them surprises you.
• Note any loans, leases or payment plans the business is carrying.
• If you own property, know who is on the title and what is owed.
• Make sure every director or co-owner knows you are applying.

Getting the enquiry right

Think of the enquiry as the brief for your funding. A clear brief gets a fast, accurate answer. Give the amount you genuinely need, the revenue your bank statements will show, an honest view of your credit and a straight yes or no on property, and we can match you to the right option on the first attempt.

Check your eligibility

Ready when you are. Send your enquiry and a real person will review it and call you back. There is no credit check to enquire and no selling of your details. The only thing we ask is accuracy: tell us what you really need, what the business really turns over and how your credit really looks, so the first match is the right match.