Payroll Funding

Payroll Funding Through Signature

Payroll funding through Signature is a financing and compliance solution designed for staffing firms that need steady cash flow and full administrative support. Instead of selling invoices or relying on third‑party lenders, Signature advances your weekly gross profits while also serving as the legal employer (EOR) of your contract workers.

As your Employer of Record, Signature assumes all employer responsibilities, ensuring your contractors are paid accurately and on time while you remain focused on growing your business. This integrated approach combines funding with full operational support, eliminating administrative complexity and compliance risk.

As your EOR, Signature manages:

Payroll processing and weekly pay
Federal, state, and local tax withholding and filings
Workers’ compensation insurance; Unemployment insurance administration
Benefits administration
Multi‑state employment compliance and registrations

Key Benefits of Signature Payroll Funding and EOR Services

How Signature EOR Payroll Funding Compares to Factoring

When many of our clients first started their businesses, they relied on factoring companies to fund payroll. Over time, they discovered that working with Signature was not only less expensive, but also far more comprehensive—because Signature handled all back‑office employer responsibilities, not just funding.

While both factoring and EOR payroll funding address cash‑flow challenges, they operate very differently and lead to very different financial outcomes.

With Traditional Factoring:

Invoices are purchased at a discount
Fees typically range from 1%–5% per invoice
Additional fees may apply for slow‑paying clients
10%–20% of invoice value is held back in reserve
Available capital and profitability are reduced
No payroll, compliance, or employer support is provided

With Signature EOR Payroll Funding:

100% payroll funding
Weekly gross profit advances are provided with no reserve accounts
No escalating fees
Tech-enabled visibility into invoices, AR and profits
Funding is bundled with full employer and compliance infrastructure
End-to-end white glove experience for contractors

By combining payroll funding with end‑to‑end EOR services, Signature delivers a more cost‑effective, lower‑risk, and operationally efficient alternative to factoring—helping staffing firms stabilize cash flow, streamline operations, and scale confidently.

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