What's the minimum a recruiter will be making on me?

[MrMarkyMark]

If you go in truly direct as a supplier expect to wait up to 3 months to get paid.

[m0n1k3r]

Correct, hence why I said 20%. If you're on 90 day payment terms, you're exposing 8 weeks of revenue rather than 1. It's simply a case of rate for risk.

Alternatively they might use invoice financing, but that easily costs them 5% on 90 days net so that they can pay the contractor in a week.