Take On More Placements With Staffing Invoice Factoring.

Yes. Sigma sends each client you factor a Notice of Assignment (NOA). It tells their accounts payable team to send payment on your invoices to Sigma. Your client keeps receiving your invoices and pays on its usual terms; only the payment address changes. This is standard industry practice and does not signal financial distress. Sigma’s team handles the NOA and payment follow-up professionally, as an extension of your business.

Most delays come from missing information: hours your client hasn’t approved yet, a new client whose credit Sigma hasn’t reviewed yet, no accounts payable contact to send the NOA to, or an invoice your client questions. Send complete client contacts and your client’s approval of the hours behind each invoice, and approval moves faster.

Onboarding, including verification of your first invoice, typically takes 24–48 hours from signup. After that, invoices you submit for hours already worked are funded the same day once Sigma verifies them.

Our standard agreement runs 12 months. That lets us invest in your account and move fast for you when it matters. If you’d rather see how we work together first, we can start with a trial period. If you expect your situation to change, for example by qualifying for a bank line of credit, raise it when we prepare your proposal. Any flexibility on term or exit is written into your agreement.

Yes. You can sign with Sigma before you’ve billed any hours. Funding starts once you have an invoice for work your temps have already done. As you grow, we generally look for agencies to reach at least $50,000 a month in invoices, because steady volume shows the agency is viable and stable. That’s a growth expectation, not a requirement to sign, an invoice minimum or a fee commitment.

Yes. Many staffing clients approve hours and invoices in a managed service provider (MSP) or vendor management system (VMS). Sigma verifies invoices submitted in those portals and funds them, which often makes funding smoother and faster. Tell us which portals your clients use during onboarding.

Generally, no. Sigma focuses on temporary and contract staffing: the weekly or biweekly invoices for hours your workers have already put in on active assignments, whether they’re W-2 or 1099.

Both are eligible. The advance rate on your invoices is based on your client’s creditworthiness and invoice type, not your agency’s financials. Use the estimator above to see a typical advance for your invoice amount. Your exact rate is shown in full in your proposal before you sign anything.

Healthcare staffing invoices billed to a business, such as a hospital, clinic or care facility, can qualify. Sigma doesn’t factor bills paid by third-party medical payers, such as health insurers, Medicare or Medicaid. More on healthcare staffing factoring. Construction staffing needs additional underwriting review, so talk to us about your clients and billing before you count on funding.

We work with you to resolve disputes. A dispute over the work itself, rather than the client’s ability to pay, is handled case by case. Credit insurance, if you add it, covers a client who doesn’t pay, per the policy terms. It doesn’t cover disputed work. We’ll walk you through how disputes are handled for your specific invoice types during onboarding.