INDUSTRY SOLUTIONS
Capital to Grow Your Practice or Firm
Law firms, accounting practices, marketing agencies, and consulting firms share a common challenge: you deliver services before you get paid. We provide fast capital so you can cover payroll, invest in technology, and take on bigger clients without waiting on outstanding invoices.
Funding Amounts
$10,000 – $500,000
Approval Speed
4 – 8 hours
Credit
All credit profiles considered
Use
Payroll, technology, expansion & more
THE CHALLENGE
Why Service-Based Firms Need Working Capital
Professional services firms sell expertise, not products, which means your biggest expense is your people. Payroll runs every two weeks regardless of whether clients have paid their invoices. Senior talent commands premium salaries. And when you're growing, you often need to hire before the new revenue those hires generate actually arrives.
Client payment cycles compound the problem. Corporate clients routinely pay on Net 45 or Net 60 terms. Retainer disputes, scope changes, and approval delays can push payment timelines even further. A firm can be fully booked with billable work and still be cash-poor because the money hasn't landed yet.
At Monera Capital, we've funded law firms, CPA practices, IT consultancies, marketing agencies, architectural firms, and staffing companies. Professional services cash flow is driven by billable hours and client payment timelines, and we fund accordingly.
How Firms and Practices Use Our Funding
Payroll & Talent Acquisition
Cover payroll for associates, analysts, designers, and support staff. Hire ahead of demand so you're ready when new contracts close.
Technology & Software
Invest in case management systems, CRM platforms, project management tools, design software, or IT infrastructure.
Office Space & Buildout
Fund a new office lease, expand your current space, or renovate to accommodate a growing team and impress clients.
Marketing & Business Development
Invest in your website, content marketing, networking events, or digital advertising to attract higher-value clients.
Bridging Client Payments
Maintain operations while waiting for large client invoices to clear. Keep your firm running smoothly between payments.
Professional Development
Fund certifications, continuing education, conference attendance, or specialized training that increases your firm's capabilities and billing rates.
Funding Solutions for Professional Services
We offer multiple products to match the way service-based businesses operate.
Business Line of Credit
Revolving access to capital you can draw from when client payments are delayed. Repay as invoices clear and draw again as needed.
Learn MoreWorking Capital Loans
Fast capital for payroll, rent, technology, and other fixed costs that can't wait for clients to pay their invoices.
Learn MoreAR Factoring
Turn outstanding client invoices into immediate cash. Get paid now for work you've already completed and billed.
Learn MoreBusiness Loans
Lump-sum capital for office buildouts, major technology investments, or acquiring another practice or book of business.
Learn MoreWhy Firms and Practices Choose Us
We've funded law firms, CPA practices, marketing agencies, IT consultancies, architectural firms, and staffing companies. Your biggest asset is your team, your biggest expense is payroll, and your biggest cash flow challenge is waiting for clients to pay.
Apply Now- We understand client payment cycles
- AR factoring for outstanding invoices
- Line of credit for ongoing flexibility
- Approval in 4–8 hours
- Dedicated advisor who knows professional services
- All credit profiles considered
Simple Requirements to Get Started
If your firm or practice has been operating for at least 6 months and generates $10,000 or more in monthly revenue, you're likely a fit.
6+ Months
In Business
$10K+
Monthly Revenue
All Credit
Profiles Welcome
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Professional Services Funding FAQs
What can professional services firms use funding for?
Firms use funding for payroll and talent acquisition, technology and software, office space and buildout, marketing and business development, bridging client payments, and professional development. Funding ranges from $10,000 to $500,000.
How can a firm manage cash flow while waiting on client payments?
Billable work is often invoiced on net terms, so cash can lag the work by weeks. AR factoring turns outstanding invoices into cash now, and a line of credit gives ongoing flexibility for payroll and overhead between client payments.
Can professional services firms qualify for funding?
Most professional services firms qualify with at least 6 months in business and $10,000 or more in monthly revenue. All credit profiles are considered, so a perfect credit score isn't required.
How much funding can professional services firms get?
Funding ranges from $10,000 to $500,000, based on your revenue and the needs of your business.
How fast can professional services firms get funded?
Most applications are reviewed and approved within 4 to 8 hours, not the weeks a traditional bank can take.
Can professional services firms get funding with bad credit?
Quite possibly. All credit profiles are considered, so past credit challenges don't automatically disqualify your business.
What funding options are available for professional services firms?
We offer multiple products, including business loans, working capital, business lines of credit, equipment financing, SBA loans, and revenue-based financing, and match you with the option that best fits your situation.