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.Â
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.Â
As your EOR, Signature manages:Â
- 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 ServicesÂ
- Weekly gross profit advances
- Complete removal of employer compliance risk
- Simplified operations through integrated payroll, taxes, insurance, and reporting
- Rapid scalability across multiple states without added administrative burden
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.Â
While both factoring and EOR payroll funding address cash‑flow challenges, they operate very differently and lead to very different financial outcomes.Â
- 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
- Traditional factoring agreements can be difficult and expensive to exit, with termination provisions and fees that may significantly impact your business when you're ready to make a change.
- 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
- Transparent pricing with no hidden exit fees or long-term lockups, giving your firm the flexibility to grow, adapt, and evolve on your terms.
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.Â