Who we fund
Business Loans for Consultants, Agencies, and Professional Service Firms
Yes, professional service firms such as consultancies, marketing agencies, accounting firms, and engineering firms can get funding. Because these businesses sell time and expertise, lenders focus on client billings and cash flow rather than equipment or inventory.
Get matched: professional services
The reality
Cash-flow challenges we hear every day.
Clients paying on net-30 to net-90 terms
Larger clients often pay invoices weeks or months after work is delivered, while salaries are paid every two weeks.
Project-based revenue that comes in lumps
A big project ending before the next one starts can leave a gap in revenue, even for a firm with a strong pipeline.
Hiring ahead of new work
Winning a larger engagement often means hiring staff or contractors before the client's first payment.
Few physical assets
Service firms usually have little equipment or inventory to borrow against, which limits some types of secured financing.
Best-fit funding
Funding that fits professional services.
A line of credit covers payroll between project payments and is paid down when clients pay, matching the stop-start cycle of project work.
$10K–$500K‡1–3 days*If you bill businesses on net terms, factoring turns outstanding invoices into cash without waiting on the client.
$10K–$5M‡1–3 days*A term loan fits planned investments like opening an office, hiring a team, or acquiring another firm's book of business.
$25K–$2M‡2–7 days*Solo consultants and independent contractors paid on 1099s can use funding built around their deposit history.
$5K–$150K‡1–3 days*What lenders look for
Typical profile for professional services.
Lenders typically look at bank statements, accounts receivable, client concentration, and the owner's credit. Recurring retainer clients and long-term contracts help show stable revenue.
Common uses of funds
- Covering payroll while waiting on client payments
- Hiring staff for a large new engagement
- Opening or upgrading office space
- Buying another firm or a retiring owner's client list
- Investing in software and business development
- Smoothing cash between project-based contracts
Can a consulting firm get a business loan?
Yes. Consulting firms with steady deposits and client billings can qualify for lines of credit, term loans, and factoring.
Can I get funding as a freelancer or independent consultant?
Yes, some products are built for 1099 earners and sole proprietors. Lenders usually review bank deposits and tax returns.
How do agencies handle clients who pay late?
Many agencies use a line of credit or factor invoices to cover payroll, and some require deposits or retainers upfront.
Can I finance buying another firm's clients?
Yes, term loans and SBA loans are commonly used to acquire accounting practices, agencies, and other service firms.
Funding for professional services, matched in minutes.
- Decisions in as little as 24 hours*
- $10K–$5M+ across 10 products
- No hard credit pull to apply
- One dedicated funding advisor