Placement-to-payroll funding —
same-business-day.
The contract was signed; the placement started; the invoice is on the week's run. Your payroll is on Friday. Quaystone closes the gap — buys the weekly invoice and the WIP-on-assignment behind it, advances cash before payroll is due, and lets the host employer pay when they pay.
- Payroll funded before it runs
- WIP-on-assignment priced in
- End-buyer concentration read, not punished
- Non-recourse during volatile placements
- Host employer
- Detroit Tier-1 auto supplier
- Placements
- 38 active · WIP-2
- Week-to-pay
- Same-business-day ACH
- Recourse
- Non-recourse
Model STF-0418 · 91% confidence · contract-to-payroll: 36d → 0d
Four steps. From placement to funded payroll.
The weekly invoice you bill against an active placement is already an asset. We treat it that way — priced by the host employer's credit, the contract terms, and the WIP exposure, not by a small-business credit score.
- 01
Submit your weekly invoices
Push them straight from your ATS or VMS — Bullhorn, JobAdder, Avionté — or send them by email. We read assignment start date, end-buyer, fee, and placement terms.
- 02
Underwriting that reads WIP
Our STF-0xxx model is trained on contract terms, end-buyer concentration and WIP-on-assignment exposure — not a generic small-business credit grid.
- 03
Choose recourse or non-recourse
Recourse for cheaper rates; non-recourse for off-balance-sheet protection during a contract cancellation. You pick. We write the contract the same day.
- 04
Fund before payroll runs
Same-business-day ACH once invoices clear verification. Payroll is never waiting on your bank thanks to us.
Bank-funded factors treat placement receivables like a credit card balance.
We price them for what they are.
Detroit Tier-1 auto supplier. Payroll day one. Same rail, same currency.
A staffing agency placed thirty-eight production-line contractors at a Tier-1 automotive supplier in metro Detroit. The host's payment terms ran net-60; payroll ran weekly. Quaystone bought the weekly invoice plus the WIP-on-assignment exposure, advanced same-business-day ACH against the first run, and settled the receivable on FCI-aligned rails via Atradius when the host finally paid — so the agency never carried the gap on its balance sheet.
Host paid net-60; payroll was weekly. The agency carried a 36-day gap beforeQuaystone, and zero days after the first run cleared.
Cross-border: Atradius credit insurance · FCI 3.0 rail · USD settlement.
Answers staffing agencies ask in week one.
These are the four questions that come up on every staffing call. Everything else, send it over and we'll come back same-business-day.
Start an offerSend a placement invoice. Get a price in hours.
No portal sign-up, no ATS integration, no chase on a twenty-question questionnaire. Send a PDF of the weekly invoice and the placement statement — we read it the same day and come back with advance rate, fee, recourse option, and the wire date before your next payroll runs.