$1MM Factoring Facility for a Government Call Center Staffing Agency

THE SITUATION
A call center staffing business was experiencing rapid growth with a long-time prime contractor to the U.S. Department of Education. Prior to engaging Advantage, the company had assembled a working capital solution using two MCAs, a fintech line of credit and a small bank line. While effective in the short term, this structure was expensive and unsustainable as growth accelerated.

Recognizing the strain, the owner connected with an SBA lender who identified invoice factoring as a more appropriate solution and referred the opportunity to Advantage.

THE LEADERSHIP
The business is operated by a husband-and-wife team with deep industry experience and complementary skill sets. Their disciplined billing processes drove strong payment performance from their primary customer, keeping dilution low and strengthening the company’s financial profile.

They built a stable foundation but required a more efficient capital structure to continue scaling.

THE SOLUTION
During the busy December and New Year holiday period, Advantage secured funding on schedule, providing immediate stability for the business. The new facility enabled the company to eliminate two MCAs, pay off the bank line and exit the fintech facility.

With a simplified capital structure and improved liquidity, the business is now positioned for continued growth in 2026 and plans to expand its customer base.