COMMERCIAL FINANCE FOR RECRUITMENT

Recruitment cash flow doesn’t wait for lenders to understand it, Weekly payroll arrives before client payments do, Temp placements create volatility, umbrella arrangements add complexity, and RPO contracts spread revenue unevenly. Commercial finance for recruitment needs to understand these realities, not penalise them. That’s when our specialist brokers can help.

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Specialists in Commercial Finance for Recruitment

Recruitment firms survive on timing: wages out weekly, invoices settling in fixed timescales. Traditional lenders sometimes see risk — but our brokers see structure. Our commercial finance for recruitment is built around your pressure points. We don’t do guesswork. We build facilities around how you actually trade.

1.

Cover Temp Payroll Gaps

Temp payroll draining cash before client money lands? We fund the gap so you can scale without waiting for overdue invoices.

2.

Perm Desk Delay Sorted

Perm desk revenue tied up in the likes of rebates or clawbacks? We stabilise cash flow so everything important stays firmly on track.

3.

Extension of Credit Terms

Extended client payment terms stretching capital? We understand recruitment cash flow, so no panic over invoices & timesheets.

4.

High-Growth Flexibility

Scaling fast but short on breathing room? We can structure commercial finance for recruitment that flexes seamlessly with your needs.

“We’re in the construction business and in this industry, things can get tight at times. That’s why we spoke to the girls. They were really professional, very encouraging and kept me calm. They were always at the end of the phone or text message and they always replied back very promptly.”
Concrete Supplier, Northamptonshire
“I would absolutely recommend your services to other businesses. The professionalism and expertise of your team were invaluable in helping me achieve my goals.”
Maintenance Business, Wolverhampton
“Just wanted to say that recently we used Mills Commercial Finance – Samantha Elsby-Colton in particular – to check out some finance for our small company and she couldn’t have been more helpful in ensuring we got the right information.”
Hairdressers, London
“I do not generally send reviews as I rarely feel that my expectations have been met – never mind exceeded! On this occasion I am more than prepared to put in writing that you have exceeded my expectations by a country mile!!”
Joinery Business, Leeds
“Mills were excellent from start to finish in terms of communication and identifying the right package for the business. I would thoroughly recommend to anybody looking for funding.”
Retailer, Manchester

How We can Help

Years of experience have told us that successful firms run on cash flow precision. Our commercial finance for recruitment options keep you hiring, placing, and paying without interruption. We can fund for the pressure points that risk-averse brokers can’t understand.

Loans

Growth loans tailored around contractor cycles, perm pipelines, and onboarding delays — not generic lender assumptions.

ASSET FINANCE

Spread the cost of office equipment, IT setups, fleet vehicles, and more with structures that protect working capital.

Bridging Loans

Short-term funding for fast-moving opportunities, acquisitions, new branches, or investment into scaling operations.

Overdrafts

Flexible overdraft facilities designed for recruitment’s ups and downs. Payroll-safe, scalable, and built for real-world trading.

Fuel Cards

Cut operating costs and streamline expenses for field-based teams, compliance visits, and your travelling consultants.

Invoice Finance

Unlock cash from unpaid invoices. Ideal for temp agencies dealing with heavy weekly payroll and long payment terms.

About Mills Commercial Finance

We’re business finance brokers who understand both the numbers and the challenges of your sector. Based in Manchester, working nationwide, we arrange commercial finance for recruitment that bends with your business, not against it. We think differently, so you can trust us with the tricky stuff.

FAQs

Absolutely. We regularly support startups and agencies scaling quickly. If the commercial logic is solid, we’ll find lenders who understand recruitment growth.

Yes. Our partners specialise in recruitment. Weekly payroll, fluctuating hours, and extended terms aren’t red flags, they’re par for the course.

For most agencies, invoice finance paired with an overdraft gives the strongest cash flow foundation, but we’ll advise you based on your model alone.