Industries
Business Funding for Professional Services
Smoothing lumpy receivables and funding growth hires ahead of the revenue they'll produce.
- No upfront fees
- Soft credit pull
- All 50 states
Common Scenarios
Why professional services businesses call us
Quarterly retainers, biweekly payroll
A large client pays on a quarterly cycle while contractors and staff are paid every two weeks. The revenue is real and the timing is wrong, which is the cleanest possible case for short-term capital.
Staffing a signed engagement that ramps slowly
You won the work and now three people have to be onboarded months before the engagement bills at full rate. Capital funds the ramp so growth doesn't come out of the partners' pockets.
Tooling up for a new practice area
Software seats, licensing, and specialized systems come due at once, ahead of the revenue the new capability will produce. A term loan or a line spreads it across the payback period.
Funding That Fits
Which option usually fits — and why
Listed in the order they most often come up for this industry. Most files end up using one; some use two together.
Qualifying
What you'll need
- Six or more months operating with revenue in the account
- Roughly $10,000+ per month in deposits
- A business bank account, not a personal one
- An AR aging report or signed engagement letters strengthen the file
- No collateral required for most products in this category
- Professional licensing current, where your field requires it
How Lenders Read It
Services firms are asset-light, so lenders underwrite deposits and client concentration rather than collateral. If two clients are most of your revenue, expect that to come up — it rarely disqualifies a healthy firm, but it does affect how much is offered and on what terms.
See the full processFAQ
Questions from professional services owners
Do you fund law firms, agencies, and consultancies?
Yes — agencies, accounting and law firms, consultancies, IT services, staffing, and engineering firms are all funded regularly. The common requirement is documented deposits in a business account, not a particular profession.
Two clients are most of my revenue. Is that disqualifying?
Not usually, but it's a real underwriting factor. Concentration risk means the loss of one account changes everything, so lenders may size the offer more conservatively. Contracted or retainer-based relationships help considerably.
Do I need collateral?
Generally no. Most working capital and lines of credit for services businesses are unsecured, though a general business lien and a personal guarantee from the owners are common. Whatever is pledged will be stated in the offer.
More questions? Read the full FAQ
Funding for your professional services business.
One application, real offers to compare, and no fee unless your business is funded.