# Recruitment Invoice & Timesheet Finance Source: https://www.cashbookfinance.co.uk/sector-recruitment Last updated: 2026-10-04 > Recruitment invoice and timesheet finance for agencies paying temporary workers or contractors weekly while end clients settle invoices on longer terms. Sector focus ## Fund payroll before clients settle invoices. Weekly or monthly payroll can create a predictable working-capital gap when end customers pay on 30, 45 or 60-day terms. ### Recruitment finance at a glance - **Likely route** Timesheet finance - **Information needed** Approved timesheets, invoices, customer payment terms and payroll profile - **Strongest fit** A growing temporary-worker book with reliable customer demand - **Assessment** Individual circumstances and underwriting Schematic of an approved timesheet grid and placements - a schematic drawn by Cashbook Finance, not a client, premises or transaction. Cash-flow cycle #### Where the pressure develops Weekly or monthly payroll can create a predictable working-capital gap when end customers pay on 30, 45 or 60-day terms. Documents #### What helps the assessment Approved timesheets, invoices, customer payment terms and payroll profile. Clear information reduces avoidable delays and makes an initial fit discussion more useful. Structure #### What the facility must achieve The facility needs to match the timing of the underlying commercial cycle and provide a credible route to repayment. **Sector-specific discussion** Bring the customer terms, expected funding cycle and any existing finance arrangements to the call. [View funding scenarios](https://www.cashbookfinance.co.uk/funding-scenarios) Common questions ### Questions to consider before applying #### Can recruitment payroll be funded before clients pay? Timesheet or invoice-backed finance may help where approved work is invoiced to credible business customers and the payroll cycle is clear. #### What information is normally needed? Approved timesheets, invoices, customer terms, payroll profile, [debtor concentration](https://www.cashbookfinance.co.uk/blog/invoice-finance-glossary#term-debtor-concentration) and existing finance arrangements are typically relevant. #### Does the facility grow with temporary-worker volumes? An invoice-backed facility may scale with eligible sales, but limits and availability remain subject to the agreed structure and ongoing assessment. ### When recruitment funding is likely to work. The commercial pressure is simple: weekly payroll is due before clients settle timesheets. The right facility depends on evidence, debtor quality and how repeatable the gap is. If placements are growing quickly, see how [invoice finance requirements change through scale-up](https://www.cashbookfinance.co.uk/blog/invoice-finance-startup-scaleup). For a sector-specific example, read our guide to [invoice finance for recruitment agencies](https://www.cashbookfinance.co.uk/blog/invoice-finance-recruitment-agencies). Good fit signals #### What lenders want to see - temporary or contract workers generate approved timesheets - end clients are established businesses paying on terms - payroll pressure grows as placements increase Evidence #### Documents that speed review - aged debtor report - sample client invoices and timesheets - payroll or contractor schedule - top customer list and payment terms Likely route #### Products to consider - [Timesheet finance](https://www.cashbookfinance.co.uk/timesheet-finance) - [Invoice finance](https://www.cashbookfinance.co.uk/invoice-finance) - [Selective invoice finance](https://www.cashbookfinance.co.uk/selective-invoice-finance) ### What the funding assessment needs to understand. Sector familiarity is useful only when it translates into the right evidence, eligibility rules and risk controls. #### Cash-flow pattern Weekly payroll against monthly customer payment terms #### Evidence to prepare Approved timesheets, assignments, payroll, invoices, margins and end-client concentration. #### Common blockers Unapproved hours, disputed placements, weak margin and excessive reliance on one end client. Practical funding fit #### Structure follows the point at which value becomes evidenced. The verified recruitment case structured availability around approved timesheet-backed invoices and concentration controls. ### Guides for recruitment businesses - [Invoice factoring guide](https://www.cashbookfinance.co.uk/blog/invoice-factoring-guide) - [Why invoice finance applications are declined](https://www.cashbookfinance.co.uk/blog/why-invoice-finance-applications-are-declined) --- Cashbook Finance. Cashbook Finance Limited is registered with the Financial Conduct Authority under Firm Reference Number 782472. Company number 10723098. Registered office: Cumberland House, 24–28 Baxter Avenue, Southend-on-Sea, Essex SS2 6HZ. Registered with the Information Commissioner’s Office under reference ZB545200. All finance is subject to eligibility, satisfactory due diligence, credit approval and agreed terms. Invoice finance, trade finance and bridging finance may not be suitable for every business. The availability, structure, amount, pricing, fees, security requirements and completion timescales of any facility will depend on the applicant’s circumstances, the quality of the supporting evidence provided and our assessment of the proposed transaction. Any figures, examples, rates or timescales shown on this website are for illustrative purposes only and do not constitute an offer, commitment or guarantee of finance. Terms and conditions apply. Bridging finance is secured against property. Your property may be repossessed if you do not maintain repayments on a loan secured against it. Applicants should obtain independent legal, financial and tax advice where appropriate.