Professional Services Financing
Capital for firms whose main asset is people
Service firms carry little hard collateral, which makes bank underwriting difficult and cash-flow lending the right answer. Loanwise Solutions places professional practices with lenders that underwrite recurring revenue and client concentration.
Cash flow challenges we see
- Few tangible assets to pledge as collateral
- Contingency and milestone billing delays collections
- Partner buy-ins and buyouts require lump-sum capital
- Hiring ahead of revenue strains payroll
What owners use financing for
- Fund a partner buy-in or succession buyout
- Acquire a competing book of business
- Hire ahead of a large engagement
- Smooth collections on milestone or contingency billing
Typical qualifying profile
- Time in business
- 1+ year for cash-flow lending
- Credit
- 650+ FICO typical
- Typical size
- $25K–$5M
- Speed
- Days for working capital; 30–60 days for acquisitions
These are typical ranges across our lending partners, not guarantees. Loanwise Solutions is a broker, not a direct lender — final terms come from the lender we place you with.
Best financing options for professional services
Working Capital Loans
Cover payroll, inventory, and day-to-day expenses with flexible short-term capital.
Business Lines of Credit
A flexible credit facility you can draw, repay, and reuse — interest only on what you use.
Business Acquisition Financing
Finance the acquisition of an established business, partner buyout, or franchise.
Accounts Receivable Financing
Unlock cash tied up in receivables while keeping collections and customer relationships in-house.
Professional Services financing: frequently asked questions
Can I borrow without collateral?
Yes. Cash-flow and revenue-based lenders secure with a general business lien and personal guaranty rather than specific hard assets.
How are partner buyouts financed?
Usually as an acquisition loan — often SBA 7(a) — sized to the valuation of the departing partner's interest and repaid from firm cash flow over 10 years.
Does client concentration hurt me?
It is a factor. When one client exceeds roughly 30% of revenue, we steer toward lenders who accept concentration rather than one who will decline late in the process.
Other industries we finance
Trucking & Transportation
Freight factoring, equipment financing, and working capital for carriers, owner-operators, and logistics companies.
Medical & Dental
Practice acquisition, build-out, equipment, and working capital for physicians, dentists, and specialty clinics.
Construction & Contractors
Working capital, equipment, and receivable financing for general contractors, subs, and specialty trades.
Ready to explore professional services financing?
A 15-minute conversation is all it takes to know which lenders fit your business. No obligation.