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Home › For recruiters › Invoice finance
Invoice finance
Run a contract desk
without the working capital problem.
Clients take 60 to 90 days to pay. Contractors need paying every month. That gap is what stops most independent recruiters from scaling a freelancer desk — and it's exactly what our invoice finance facility is designed to solve.
The working capital picture
Average monthly cost per contractor
~£10,000
Client payment terms
60–90 days
Working capital needed — 5 contractors
~£100,000–150,000
Working capital needed — 10 contractors
~£200,000–300,000
What we provide
The finance facility
These figures are illustrative. The actual facility available to you is discussed on your discovery call and structured around your desk.
The problem every contract recruiter faces
A great contract desk needs capital most recruiters don't have
Contract and freelance recruitment is one of the most lucrative desks in the industry — recurring revenue, long-term client relationships, and compounding income as your contractor base grows. But there's a structural problem that prevents most independent recruiters from building one at scale.
You have to pay your contractors every month. A freelancer on £500 a day costs you around £10,000 a month to fund. If your client is on 60-day payment terms, you're bridging that gap yourself. With one contractor that's manageable. With five, you need £100,000 or more in working capital. With ten, you're looking at £200,000 to £300,000.
Most independent recruiters simply don't have access to that kind of working capital — which means they cap out their contract desk early, or never build one at all. Invoice finance removes that ceiling entirely.
£0
Working capital most independent recruiters have access to
90
Days clients can take to pay — while contractors need paying monthly
10×
The scale you can reach with the right finance facility behind you
What our invoice finance facility enables
We bridge the gap between when you pay your contractors and when clients pay you. You build your contract desk, place your freelancers, and grow your recurring income — without the working capital constraint holding you back.
How it works
The finance sits behind the desk — not in your way
Our back-office and finance team handle the mechanics. You focus on placing contractors and growing your desk.
You place a contractor
You make the placement. We set up the contract between the contractor, client, and Master Recruiter.
We invoice the client
Our back-office raises invoices to the client on the agreed billing cycle. We manage all credit control and payment chasing.
We fund contractor payroll
We use the invoice finance facility to fund your contractors' monthly payments — regardless of when the client pays.
Your desk grows
Add more contractors, expand your client base, and scale your recurring income — without the working capital ceiling.
Permanent recruitment
Invoice finance for perm desks
If you run a permanent recruitment desk, invoice finance can also play a role — though it works differently to the contract model. We can discuss what's possible on your discovery call.
Supporting permanent recruitment cash flow
Permanent placement fees can take time to be paid by clients — and for an independent recruiter, waiting on a significant fee can create real cash flow pressure. We can discuss how our finance facility may be able to support your perm desk, taking into account the different risk profile of permanent placements. The right structure depends on your desk, your clients, and your pipeline — which is why we cover it as part of the discovery call rather than a one-size-fits-all arrangement.
What you'll get access to
Everything that comes with the network
Invoice finance
Running a contract desk? Our invoice finance facility means cashflow never limits how fast you scale. We invoice the client, collect the fee, and transfer your payment.
Do I need to have an existing contract desk to access this?
No. Some recruiters join the network specifically to build a contract desk for the first time, knowing that the finance facility makes it viable. We can discuss the setup and structure on your discovery call, whether you're starting from scratch or have existing contractor relationships.
How large can the facility be?
The size of the facility is structured around your desk and your clients. There's no fixed cap — it's built to match what you actually need to operate and grow. We'll walk through the numbers on your discovery call based on your plans.
Who handles the contractor payroll and client invoicing?
We do. Our back-office team manages contractor payroll, client invoicing, credit control, and payment chasing. You run the relationships and make the placements — we handle the financial mechanics behind the desk.
What happens if a client is slow to pay?
Because the invoice finance facility funds contractor payroll independently of client payment timing, slow-paying clients don't affect your ability to pay your contractors. We manage the credit control process and absorb the timing gap.
Can this work for both contract and permanent on the same desk?
Yes. Many recruiters run mixed desks. The contract side of the facility is more straightforward to structure; the permanent element depends on your specific setup. We'll discuss both on the call and design something that fits the way you actually work.
Ready to build a contract desk without the capital constraint?
Book a discovery call and we'll talk through how the invoice finance facility works, how it would be structured for your desk, and what's possible.