Funding built around billable hours and slow-paying clients.
A services firm has two real assets: the team and the book of business. Neither shows up well on a traditional cash-flow underwrite because the revenue is project-based, the collections are staggered, and the payroll is always due before the client wires. That is why so many profitable firms still feel starved. The capital stack has to match the rhythm.
Lines of credit carry the gap between billed work and paid work. Term loans fund laterals, software migrations, and office expansions. SBA 7(a) handles partner buy-ins, retiring-partner buy-outs, and full firm acquisitions up to $5M. AR financing advances against aged receivables and work-in-progress when a single slow payer is blocking payroll. Your underwriter decides which of those fit today.
- Senior hires and lateral partner recruiting before billings ramp
- Practice management, case management, and AI tooling purchases
- Office moves, buildouts, and tenant improvements
- Working capital across 60- and 90-day client payment cycles
We have done this before. A lot.
Lines of credit sized against your billing cycle and A/R aging
Term loans for senior hires, lateral moves, tech migrations, and office expansion
SBA 7(a) loans up to $5M for partner buy-ins, buy-outs, and practice acquisitions
AR financing on aged invoices and work-in-progress when a slow payer is the problem
One underwriter from first call through funding - no equity given up and no broker chain in between
The products that actually move the needle here.
Things professional services owners ask first.
Yes. SBA 7(a) is the standard tool for this. Ten-year amortization, working capital included, and the retiring partner gets paid out cleanly. We have routed buy-ins and buy-outs at law firms, accounting practices, and specialty medical groups this way.
Yes. Practice management systems, case management, document automation, and most AI/LLM tooling get funded through either equipment financing or a term loan, depending on the total spend and whether it is capitalized.
A line of credit is the right tool. Draw when you need it, pay it back when the client wires come in. You pay interest on what you use, not on the full facility. AR financing is the backup if aged invoices are the specific bottleneck.
Funding built around professional services.
Tell us about your operation and we will route you to the lenders that already understand it.
Soft credit pull. No hard inquiry unless you accept terms.