Your cash is locked in other people's payment terms.

You place candidates, send invoices, and wait 30-60 days to get paid. Meanwhile, you are funding payroll, managing IR35 risk, and hoping no client goes silent. BRG fixes the gap between placement and payment.

Four problems that throttle your growth

These are recruitment-specific challenges. Not generic business advice repackaged with staffing terminology.

Cash flow timing

You pay contractors weekly. Clients pay you monthly -- sometimes longer. Every placement you make widens the gap between cash out and cash in. Growth becomes a cash flow problem, not a sales problem.

Extended payment cycles in UK recruitment

IR35 exposure

One misclassified contractor can cost you the entire margin on an engagement plus HMRC penalties. Most agencies know the risk exists but cannot quantify it across their current book.

HMRC IR35 enforcement continues to increase

Back-office drag

Invoicing, credit control, timesheet reconciliation, Companies House filings, pension auto-enrolment. The admin overhead scales faster than the revenue. Every hour spent on compliance is an hour not spent filling roles.

Significant revenue lost to back-office inefficiency

Four agents working your business daily

Each one handles a domain that would normally require a full-time hire or an expensive outsource.

OTTO
Invoice factoring and cash flow finance. Matches you to facilities that release cash on placement, not on payment.
// a mapped lender and product panel mapped
SHIELD
IR35 compliance scoring. Assesses every engagement against current HMRC criteria and flags exposure before it becomes a liability.
// scoring engagements
CHASE
Invoice reconciliation and credit control. Catches discrepancies, flags overdue payments, and tracks client payment behaviour.
// reconciling daily
LEO
Lender matching for growth finance. Working capital, acquisition funding, and facility restructuring for scaling agencies.
// matching lenders

Credit Health Check

Enter your company details. Get a commercial credit snapshot showing how lenders and clients see your business right now. Risk flags, payment history patterns, and a clear lender readiness score -- before you apply for anything.

Recruitment agencies live and die on credit. Your clients check you before awarding PSL spots. Lenders check you before offering facilities. This tool shows you what they see.

What you get back
  • Commercial credit profile and risk score
  • Payment behaviour flags visible to clients
  • Lender readiness assessment
  • Director exposure and filing status
Run Credit Health Check
Finance

Free. No sign-up.

See your credit position the way lenders and enterprise clients see it. Takes 2 minutes.

Check Your Credit Health

Representative recruitment result

Representative example based on verified BRG recruitment work, anonymised for confidentiality.

Problem: The agency had grown from 3 to 12 contractors in 8 months. Back-office had not scaled. Filings were overdue, invoice reconciliation was manual, and two clients were 60+ days past terms with no chase in progress.
ZARA flagged: Confirmation statement 47 days overdue. Annual accounts approaching penalty threshold. Two director changes unrecorded. CIS return gap for one subcontractor.
CHASE identified: Two client companies with deteriorating credit scores, suggesting payment risk before the invoices were even due.
4 filings
Cleared in 72 hours -- zero penalties
£34K
At-risk invoices flagged before default

See your credit position before your clients do

Run the Credit Health Check for a fast first-pass view of your lender readiness, or talk to MAYA about your specific recruitment challenges.