Payroll financing for service businesses that need to cover wages before client invoices clear.
Designed for agencies, professional firms, and service operators with lumpy cash flow. Capvant surfaces working capital for payroll timing, contractor payments, and hiring ramps.
Under 60 seconds. No hard credit pull.
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Agencies and consultancies
Client-based businesses that deliver work before invoices are approved — and need payroll covered in the meantime.
Professional service firms
Businesses where payroll runs weekly or biweekly, but payment terms from clients stretch to Net-30 or beyond.
Contractor-heavy operations
Businesses with variable headcount where staffing up for new work consistently runs ahead of incoming cash.
Signs this funding type matches your business.
Recurring payroll obligations
Strong pipeline but slow payment terms
Contractors or staff paid before client cash lands
Seasonal headcount swings
Our clients pay Net-60. We had to choose between making payroll and taking on new work. That's not a real choice — Capvant fixed it.James R. — Founder, Digital Marketing Agency
Funding needs matched to this use case.
Funding need 1. Covering weekly or biweekly payroll
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Funding need 2. Hiring ahead of new client work
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