Business Services
Bridge the gap between project delivery and payment. Fund operations, meet payroll, and scale your team, without the cash flow squeeze.
Capital that understands professional services and moves at project speed.
The challenge
Professional services and consulting firms face a capital challenge banks do not understand: no inventory, no heavy equipment, no tangible assets to pledge. Your primary asset is talent. Your primary collateral is signed engagement letters and outstanding receivables from Fortune 500 clients.
A management consulting firm hires three senior consultants at $150K in signing bonuses. The client engagement pays $800K over 18 months, with milestones at months 3, 9, and 18. The firm invested $450K in talent before collecting the first milestone payment. A growing IT services company wins a $2M engagement requiring 12 new hires. The revenue arrives over 12 months. The hiring costs arrive in month one.
Partner buyouts compound the problem. A founding partner's equity stake is $2M. The remaining partners fund the buyout from firm receivables and future earnings, creating a capital drain that competes with operational funding for two to three years.
Your Costs Are Immediate
Your Revenue Comes Later
The result
You're doing the work today but getting paid months later. Payroll can't wait for client payment. Growth opportunities require capital you don't have. You're profitable on paper but cash-flow constrained in reality.
Sound familiar?
You landed a $400K annual contract, but need to hire 3 people immediately. First payment isn't for 60 days, but payroll starts now.
Running 8 concurrent client engagements, each with different billing cycles and payment schedules. Cash flow is unpredictable and strained.
Contract ends December 31, new contract starts January 15, but you need to maintain team and operations through the transition.
Your team gets paid bi-weekly, but clients pay Net 45-60. You're constantly stressed about making payroll while waiting for receivables.
Expanding to a new city requires upfront investment, office, team, local presence, before regional revenue materializes.
Your Fortune 500 clients demand Net 90 terms. You need the work but can't wait 3 months for payment.
The toolkit
Different service business challenges require different financing tools. Here's what works best for the situations service companies face:
Specialized solution ensuring consistent payroll funding regardless of client payment timing. Good for businesses with bi-weekly payroll and Net 30-60 client terms.
Learn moreTraditional credit line for established businesses with strong financials. Good for smoothing cash flow and managing seasonal fluctuations.
Learn moreIn practice
IT Consulting Firm
Marketing Agency
Engineering Firm
Staffing Agency
Tell us a little about your engagements, billing cycle, and client payment terms and we'll come back with real numbers: facility size, rates, and timeline.
Same-day preliminary answer
The difference
Traditional lenders want hard assets, equipment, inventory, real estate. Your main asset is your team and expertise. We understand service business models and lend against your receivables and client contracts, not just tangible assets.
Unlike product businesses with consistent sales cycles, service businesses have project timing complexity. Large contracts create lumpy revenue. Multiple projects have different payment schedules. We provide capital that smooths these fluctuations.
Enterprise clients demand Net 60-90. Government contracts pay slowly. But your team needs to be paid every two weeks. We bridge this gap so you can work with valuable clients despite their payment timing.
Adding clients means hiring before revenue arrives. Opening new markets requires local presence before contracts materialize. Scaling requires capital before the revenue validates the investment. We provide growth capital based on where you're going, not just where you've been.
Banks struggle to value consulting firms, agencies, and professional services because traditional lending metrics don't apply. We evaluate your client quality, contract strength, and recurring revenue. The actual drivers of service business value.
Who we serve
Management consulting, IT consulting, engineering, technical services. High-value expertise, project-based delivery, often enterprise or government clients.
Typical needs AR financing, invoice factoring, project-based credit lines
Marketing agencies, advertising, PR firms, digital agencies, creative studios. Retainer-based or project-based billing, multiple concurrent clients.
Typical needs Invoice factoring, AR financing, working capital facilities
Managed services, software development, system integration, cybersecurity. Recurring revenue models, equipment needs, technical staffing.
Typical needs AR financing, equipment financing, payroll funding
Professional staffing, technical recruiting, temp agencies, executive search. High-volume receivables, fast payment cycles, payroll funding critical.
Typical needs Specialized staffing facilities, payroll funding, high-advance factoring
Accounting, legal process outsourcing, HR consulting, training services. Licensed professionals, ongoing client relationships, monthly billing.
Typical needs AR financing, working capital lines, equipment financing
Maintenance services, repair services, installation, technical field work. Mobile workforce, equipment needs, project-based or recurring revenue.
Typical needs Invoice factoring, equipment financing for vehicles/tools, working capital
Getting started
Share your situation, challenges, and what you're trying to accomplish. We explain which financing solutions fit your needs and provide estimated terms.
Basic business information: financials, receivables aging, client list, sample contracts. We review and provide a proposal within 24-48 hours.
Review and approve final terms. Sign agreements electronically. Complete due diligence process (references, client verification if needed).
Access capital for your immediate needs. For facilities (AR financing), establish credit line for ongoing access.
Dedicated account team. Direct decision-maker access. Regular business reviews. Adjust facilities as your needs evolve.
Common questions
We work with consulting firms, agencies, IT services, professional services, staffing companies, field services, and other B2B service businesses. If you invoice clients with payment terms and have receivables, we can help.
Yes. We specialize in service businesses. Your receivables, client contracts, and revenue quality are what matter. We lend based on your service business fundamentals, not tangible assets.
Absolutely. This is one of the most common challenges service businesses face. AR financing or invoice factoring provides immediate capital against your invoices, ensuring payroll is funded regardless of client payment timing.
Yes. Invoice factoring is specifically designed for this. Your clients pay on their normal terms, but you get paid immediately (80-95% advance within days). You maintain client relationships without the cash flow strain.
AR financing or factoring facilities handle multiple clients easily. Each invoice is evaluated and funded individually. As you add clients or grow existing relationships, your facility capacity grows automatically.
Fast growth is exactly where AR financing shines. As you add clients and projects, your receivables grow, which means your available capital grows. The facility scales with your business automatically.
For invoice factoring, typically yes, they pay an account in your name at our lockbox. For AR financing facilities, we can structure it where your clients continue paying you directly (non-notification structure).
For immediate needs, invoice factoring can fund in 2-5 business days. For ongoing needs, an AR financing facility provides 24-48 hour access once established (1-2 weeks for initial setup).
Recent financials (P&L, balance sheet), accounts receivable aging, client list, and sample contracts or engagement letters. We'll want to understand your billing cycle and typical client payment patterns.
Much higher capacity (based on receivables, not credit score), faster approval, and scales with your business growth. Credit cards and small business lines typically max at $50-100K. Our facilities can grow to millions as you grow.
Get a business services finance quote in 24 hours.
One working-capital decision every other week. Which asset to borrow against, what a facility costs all-in, or how to make payroll before your customer pays, in a two-minute read.
Bi-weekly. 26 issues a year.