A line for payroll timing
Draw when a large client pays slowly and repay the week the invoice clears. Firms with steady billings qualify for lines from $25K to $500K, interest only on what is drawn.
Funding for professional services,
paced to how clients pay.
Payroll runs every two weeks and the client pays in 45, or 90 when their process allows. One application, shopped to the lenders we work with that fund firms with no hard assets, with funding in as little as 24 hours.1 No impact to your credit score to apply.2 Amounts from $5K to $5M.3
4.8Excellent · Based on 12,480 reviews
FundLine Capital is a commercial loan broker, not a lender. Offers are made by the lenders we work with.
How much do you need?Illustrative only. Your rate, term and payment are set by the lender whose offer you accept.
Est. monthly payment$3,923
Illustrative terms10.9% APR · 36 mo
Net-90is what an enterprise client's process allows
When a big account moves every vendor to 90 days, $180K of billed work sits in receivables for an extra 45. A line sized to your AR keeps payroll steady across the gap.
Capital for payroll,
receivables and the next partner
A firm's inventory is people and its balance sheet is receivables. Most working-capital products are unsecured or secured by those receivables, so no equipment is needed to qualify.
Cash against invoices and retainers
Invoice financing advances most of an invoice to a creditworthy client within days. Recurring retainers strengthen the case for a larger line as well.
Hires, offices and acquisitions
A 24- to 36-month term loan funds a senior hire's first-year package; a 10-year SBA 7(a) loan finances buying a retiring competitor's book of business.
No hard assets? That is normal here
Lenders that fund firms focus on revenue consistency, client quality, time in business and the partners' credit profile, not on equipment you do not own. Bring an accounts receivable aging report and a summary of active retainers. Those two documents tell a lender more about an agency or a practice than anything else, and they are usually one export away.
How firms get funded with FundLine
Northwind Creative Partners
$80,000 of $200,000Available to draw
$120,000Outstanding balance
Draw funds
Payroll, Sep 15$74,000
Contractor invoices$46,000
Next payment$4,460 on Oct 1
Client invoice due$180,000 on Nov 2
- 1
Apply once
About 15 minutes. Firm details, three to six months of bank statements and, for larger amounts, a recent P&L, an AR aging report and a summary of active retainers.
- 2
Compare offers
We shop the application to the lenders we work with that fund service firms and lay out the offers, including guarantee requirements and any covenants.
- 3
Fund the engagement
Accept the offer that fits. Lines and invoice financing can fund in as little as 24 hours; SBA loans for acquisitions take several weeks.
Talk to someone who knows
the gap between billed and collected.
Our advisors have placed payroll lines, invoice advances and acquisition loans for agencies, consultancies, law practices and accounting firms. Bring your AR aging and your largest client's terms; we will tell you which products fit before you apply.
Book a callReal people, any day of the week
What firm owners say
Excellent
4.8
Based on 12,480 reviewsFundLine owner reviewsProfessional services funding questions
Most firms start with a business line of credit for payroll timing and a business credit card for expenses. Firms with signed retainers add invoice financing and term loans for hiring and acquisitions. FundLine shops one application to the lenders we work with that fund service firms.
Yes. Most working-capital products are unsecured or secured by receivables, not equipment. Lenders focus on revenue consistency, client quality, time in business and the owners' credit profile.
Invoice financing advances most of the value of invoices to creditworthy clients, which turns a 45- or 90-day wait into cash within days. Recurring retainers also strengthen your case for a larger line of credit.
Payroll lines commonly run $25K to $500K depending on annual billings. Hiring and office term loans run $50K to $300K. Acquisitions of a book of business through SBA 7(a) run $150K to $2M through the lenders we work with.
The application takes about 15 minutes. Lines of credit and invoice financing often return offers within a couple of days, and many lenders fund in as little as 24 hours after you accept. SBA loans for acquisitions take several weeks.
Most small-business products ask for a personal guarantee from owners with a meaningful stake. Larger firms with strong financials sometimes qualify for guarantee-free products; each offer states its requirements before you accept, and we flag them.
Yes. SBA 7(a) loans and conventional term loans both fund buying a competitor's client list or buying out a departing partner, typically over 7 to 10 years. Lenders want the purchase agreement, the target's financials and a transition plan.
No. Lenders look at operating-account deposits and billed fees, not funds held in trust for clients. Keep the operating account clean and separate; it makes the underwriting faster.
Three to six months of business bank statements, basic firm details and, for larger amounts, a recent P&L, an accounts receivable aging report and a summary of active retainers. Acquisition requests need the purchase agreement.
Business line of credit
Keep payroll steady while a large client pays on its own schedule, and pay interest only on what you draw.
Invoice financing
Turn a net-90 invoice to a creditworthy client into cash within days, and keep the relationship yours.
Guides for firm owners
How lenders read a service business, and how to fund people and growth without pledging equipment you do not have.
Guide
Getting ready to borrow
The checklist for a firm: statements, AR aging, retainers and what each tells a lender.
Read moreGuide
Building business credit
How a firm with no assets builds the profile that qualifies for a larger unsecured line.
Read moreBlog
A funding guide for owners
The plain-language overview of every product, written for owners who bill by the hour.
Read moreReady to fund
the next engagement?
One 15-minute application. No impact to your credit score to apply.
- 1¹ Funding in as little as 24 hours applies to select products after you accept an offer. Timing varies by lender, product and how quickly documents are returned.
- 2² Submitting a FundLine application does not affect your personal or business credit score. A lender may run a hard inquiry before final approval and will disclose it first.
- 3³ Amounts, rates and terms are set by the lender and depend on time in business, revenue and credit profile. $5K to $5M is the range across the lenders we work with; not every business qualifies for every amount.