Business funding for professional services firms
Your people are the product, and they get paid before your clients do. Funding helps you hire ahead of growth and smooth long payment terms.
How cash flows in professional services
Professional services firms carry payroll for weeks or months of work before they can invoice, and clients often pay on net 30 to 90. Growth means hiring before revenue arrives; acquisitions and co-owner buyouts need larger, longer financing.
What we look at
- Deposits and client concentration
- Recurring vs. project revenue
- Existing debt
- Time in business and ownership
Minimums: about $50,000 a month in revenue and one year in business. Larger requests are reviewed case by case.
Common situations
Hiring ahead of a new contract
Carry salaries until billing starts.
Clients on long payment terms
A line of credit to bridge receivables.
Acquiring a firm or buying out a co-owner
A term loan with fixed payments.
Office build-out or relocation
Term or real estate financing.
Funding that fits
Your advisor recommends the structure; you choose, with every cost in writing.
Professional services: questions owners ask
Can a firm with few, large clients qualify?
Often, yes. Client concentration is part of the review; long relationships and steady payments help.
Can I fund a co-owner buyout?
Yes, usually with a term loan. Your advisor matches the term to the deal.
What do I need to apply?
To start: amount, monthly revenue and time in business, with no documents and no SSN. To get your offer: your last four months of business bank statements.