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Selective invoice finance for recruitment agencies

Convert selected invoices into working capital to support weekly payroll and contractor payments.
No full debtor book commitment. No personal guarantees. Built around recruitment cashflow cycles.

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Why Financefair?
Cashflow gap in Recruitment Agencies_ Financefair support

The recruitment cashflow gap

Recruitment agencies pay contractors weekly or fortnightly.

Clients typically settle invoices on 30, 60 or 90 day terms.

As placements increase and contract books grow, payroll commitments rise while payment cycles remain fixed. Cashflow pressure becomes structural, not temporary.

Even profitable agencies experience working capital strain during growth phases.

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A flexible alternative to full book invoice discounting

Traditional models often require funding the full debtor book with ongoing commitments.

Why Financefair?

Traditional full book model

• Full debtor book required
• Fund all invoices
• Ongoing commitment
• Limited flexibility

Selective invoice finance

• Choose specific invoices
• Use only when needed
• No full book lock in
• Control stays with you

Selective Invoice Finance

How selective invoice finance works

  • Upload and select invoices to fund
  • Receive up to 90% of the invoice value once approved
  • Repayments are made via debtor settlements

Facilities are structured on a committed 12 month basis with flexible limits.

No requirement to fund the full debtor book.

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Key features for recruitment agencies

  • Up to 90% advance rate
  • No personal guarantees
  • No full debtor book requirement
  • Non disclosed options available
  • Funding based on invoice value and debtor strength
  • Digital platform to manage funding in one place
  • Multi currency capability where required
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When selective invoice finance fits

Selective invoice finance is typically suited to:

  • Established recruitment agencies
  • €1M plus annual revenue
  • 2 plus years trading
  • B2B invoiced revenue model
  • Agencies operating on 30 to 90 day client terms
  • Leadership teams seeking non dilutive funding

It is not designed for early stage startups or distressed businesses.

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How it Works

Why Financefair

Financefair was built to address the growth funding gap.

Our approach focuses on flexible, non-dilutive funding aligned to real business performance.

Decisions are data driven and designed to move at the pace of growing companies.

Funding scales as the business scales. Control remains with founders and leadership teams.

Financefair does not aim to replace traditional funding. We exist to support businesses at the point where traditional options no longer fit.

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Our funding solutions

We offer flexible funding solutions designed to support different growth needs.
 
 
FInancefair Solution - line of credit

Line of Credit

Provides on-demand access to capital to help you manage cash flow effectively.
FInancefair Solution - Selective Invooice Finance

Selective Invoice Finance

Offers flexibility to raise funds from individual invoices whenever needed.
FInancefair Solution - Revenue Based Finance

Revenue Based Finance

Allows you to access future monthly recurring revenue today to drive business growth.
FInancefair Solution - Development Finance

Development Finance

Tailored funding for residential developers and contractors to support project delivery.
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Industry recognition

Financefair-_-Industry-recorgnition-2
Do we have to finance all our invoices?

No. You choose which invoices to finance. There is no requirement to fund your full debtor book.

Will our clients know we are using invoice finance?

Facilities can be structured on a non disclosed basis depending on the situation, so client relationships are not disrupted.

Does this require personal guarantees?

No personal guarantees are required. Funding is based on invoice value and customer credit.

How quickly can funds be advanced?

Once approved and invoices are uploaded, funds are typically advanced promptly, subject to documentation and verification.

Is this suitable for early stage recruitment startups?

Selective invoice finance is designed for established, revenue generating agencies. It is not intended for startups without trading history.

How is this different from traditional invoice discounting?

Traditional models often require full book commitment. Selective invoice finance allows you to choose specific invoices and use funding only when needed.

Helen and Peter - Financefair
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