How much cash do you need to pay contractors before the client pays you?
Free tool · Agencies
Weekly wage bill in, client terms in. It builds the week-by-week cash table, shows how deep the gap gets and when, and what invoice finance or shorter terms would do to it.
A growing contract book eats cash. Contractors are paid this week; the client pays thirty, sixty or ninety days after an invoice that itself waits for approved timesheets. Every new placement widens the gap before it closes it, which is why profitable agencies still run short of money.
This checker lays the payroll and the receipts side by side, week by week, so the lowest point is visible before you reach it. It also shows what an invoice-finance facility could advance against the work already invoiced, and how much a shorter payment term would help.
It models payroll and receipts only; provider fees, tax dates and other costs are yours to add.
Wage-run funding-gap checker
The printable pack
Funding options
Factoring, invoice discounting, selective finance and an overdraft compared, with the questions to put to any funder before you sign.
The detail behind it
Agencies · Funding & factoring
Planning a weekly payroll cash-flow forecast
Build a weekly view of payroll, collections and available funding, with a worked example that separates confirmed receipts from assumptions.
AgenciesInvoice finance3-minute readAgencies · Funding & factoring
Invoice finance and factoring for recruitment agencies: funding a contract book that is growing faster than it is paid
Your contractors are paid weekly and your clients pay in sixty days. How invoice finance and factoring bridge that gap, what advance rates and concentration limits mean in practice, and what the facility actually costs.
Invoice financeAgenciesBack office7-minute read
Where this leads
The things people ask before they ring
No. Every result is on the page as soon as you press the button. If you want a copy, you can email it to yourself, and we only follow up if you tick the box that says we can.
Because nothing is coming in yet. Every week of new work is paid out now and collected weeks later, so the gap grows until the first invoices are paid. An existing book already has earlier invoices arriving to pay this week's wages.
It advances a percentage of what you have invoiced and not yet been paid, commonly around 85 percent, less anything the funder excludes. The checker shows that figure at your lowest week. The real number comes from the facility's own terms.
Fifteen minutes will tell you where you stand
Whether you're a contractor after your next job, an agency placing across Europe, or a business that needs people found, paid and funded — start with a conversation. It costs nothing and we'll tell you honestly if we can't help. No form to fill in first.
info@freelancer-supermarket.co.uk