Professional Services working capital & lending

Hourly or project-based billing; AR float varies by client mix (corporate clients 60-90 days, SMB clients 15-30 days). Revenue-based underwriting available — businesses with strong monthly revenue qualify even when credit is imperfect.

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Common uses of capital in professional services

Office build-out or expansion
Hiring (associate attorneys, junior CPAs, consultants) — bridge until they're billable
Technology stack upgrades (case management, accounting software)
Marketing + business development for partner-track growth
Acquiring a retiring partner's book of business

Best-fit lending products for professional services

Lines of credit — best fit for professional services AR cycle and bursty hiring
SBA 7(a) — for partner buy-ins or practice acquisitions
Working capital advance — for accelerated hiring + marketing pushes
Invoice factoring — for B2B service firms with corporate clients

Seasonality & timing: Steady; tax / accounting practices spike Q1-Q2; legal practices vary by specialty.
Qualification benchmark: Established professional services firms with $60K+ monthly revenue qualify for lines of credit + SBA. Newer firms benefit from working capital advances based on revenue trend.
Relevant NAICS codes: 541110, 541211, 541219, 541330, 541611, 541613, 541618

Other industries we work with

Restaurant & Food Service Auto Repair & Body Shop Medical & Dental Practice Construction & Trades Retail & E-commerce Trucking & Transportation Beauty, Salon & Spa

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