Working capital for firms that bill after the work is done
Law firms, accountants, agencies and consultants do the work first and get paid later. A line of credit covers payroll and overhead in between.
- Cover payroll while clients pay
- Hire before you’re overloaded
- Invest in software and office space
Your biggest asset is your people. They get paid every two weeks.
Professional firms carry most of their costs in salaries. When a big client pays late or a case takes longer than expected, the gap lands squarely on payroll.
Law firms, CPA firms, marketing agencies, IT consultants, architects and engineers use a Flex Credit Capital line to keep the team paid and the firm growing.
Common uses
- Payroll during slow-paying client cycles
- Hiring ahead of new engagements
- Software, equipment and office upgrades
- Covering case costs and expenses
The basics we look for
If your business checks these boxes, it’s worth a few minutes to apply.
We look at how your business is actually doing, mostly through your recent bank statements. Your credit score matters less here than it does at a bank.
- Time in business6 months or more
- Monthly revenue$15,000 or more
- Business bank accountRecent statements
- LocationU.S.-based business
- CollateralNot required
Questions from professional services owners
Can law firms use it for case costs?
A line of credit is general working capital for your firm. Talk to your advisor about how you plan to use it.
Do you contact our clients?
No. Your client relationships stay yours.
Is a line better than a term loan for a firm?
For uneven cash flow, many firms prefer a line because they draw only what they need.
See what your business qualifies for
Tell us what you need the money for and how much. A funding advisor will follow up with real numbers, usually the same day.