Healthcare Staffing Working Capital: AMS’s Story

Daylit case study: the experiences and results below are self-reported by Daylit and the featured business. They describe the original case, not a performance guarantee or a current financing offer.

Eric Makowski, President of AMS Healthcare Staffing, shares how Daylit’s fast, affordable, and human-centered approach to lending gave him the flexible working capital he needed to grow; without the high-pressure sales tactics and steep rates of traditional lenders.

From High-Pressure Lenders to a Refreshingly Helpful Experience

When Eric Makowski started looking for working capital to support his healthcare staffing businesses, he was met with an all-too-familiar wall of high-interest, aggressive lenders. The offers he found were expensive, and the sales approaches felt overly pushy; until he came across Daylit through a simple Google search.

Unlike the “cutthroat” tone he experienced elsewhere, Daylit stood out for its approachable and informative style. His initial conversation with Chase, Director of Partnerships at Daylit, immediately shifted the tone. Rather than being sold to, Eric felt he was entering a partnership, one where questions were welcomed and the process was clearly explained.

“When I called Daylit and talked to Chase, he was easy to deal with, just like talking to another colleague who understood my situation. He didn’t give me the hard sell, he just gave me the details of the deal and it was really helpful to have him on my team.” Eric Makowski, President of AMS Healthcare Staffing

Fast, Flexible Working Capital for Real Business Needs

Eric’s top priorities were securing working capital quickly and with minimal hassle. The Daylit platform delivered on both fronts. Its intuitive app made it easy to access funds, and the approval process was streamlined and stress-free. What really sealed the deal, though, was the lower interest rate; substantially better than the hard money lenders he’d considered.

With two healthcare staffing companies under his leadership, Eric needed a financial tool he could rely on when opportunities, or unexpected expenses, arose. His usage of Daylit's line of credit varies throughout the year, but it's a core part of his capital strategy, and he anticipates leaning on it more as his businesses grow.

Powering Growth with FundNow

In the healthcare staffing world, waiting 30, 60, or even 90 days for invoice payments can tie up valuable capital; capital that’s needed to meet payroll, onboard new contracts, or invest in operations. That’s why Eric has turned to FundNow, Daylit’s invoice financing solution that lets businesses advance payment on outstanding invoices.

By using FundNow, Eric can unlock working capital that would otherwise be stuck in accounts receivable. This has helped him cover necessary expenses and reinvest into business development without the typical strains of traditional cash flow cycles. In a field where staffing demands can shift rapidly and payment timelines are often out of your control, the ability to accelerate cash flow gives Eric a strategic advantage, and peace of mind.

A Human Touch in a Digital World of Working Capital

One of the key differentiators for Eric was the consistent, personalized support he received. Rather than bouncing between anonymous service agents or relying on chatbots, he appreciated having a single point of contact in Chase. That relationship made it easier to navigate the process, especially when timing was critical and funds needed to be expedited.

“It was the speed of getting the available funds, it was the ease of the app and it was the interest rate. The interest rate just beat everybody by a mile.” Eric Makowski, President of AMS Healthcare Staffing

In an industry where speed and clarity matter, having a real person who could explain terms and proactively move things forward added tremendous value.

Looking Ahead with Confidence

With Daylit, Eric has found more than just a lending solution; he's found a long-term partner. For Eric, Daylit’s combination of technology, competitive pricing, and genuine customer care has made all the difference. As his companies continue to expand, Daylit will remain a trusted part of the journey.

If you're an entrepreneur navigating cash flow or growth, discover how Daylit’s modern capital solutions can help you thrive.

References

EY: Cash forecasting. Read September 28, 2026.