Service firms pay their people now and bill clients later. Payroll is the biggest cost and it's due every cycle, but clients pay on net-30, net-60, or on milestones, and growth means hiring ahead of the revenue. With few hard assets to pledge, banks hesitate. We fund on your revenue.
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In a service business, your people are both your product and your biggest expense. You pay salaries and contractors every cycle, but revenue arrives on the client's schedule, net-30, net-60, or on milestones. To grow, you often have to hire before the contract revenue shows up.
Revenue-based funding reads your deposits and billings rather than hard collateral, so you can make payroll, hire ahead of a new contract, or bridge a slow-paying client, and repay as the invoices clear.
From the smallest operation to a multi-unit group, if you have steady sales, there's likely a path worth exploring.
Agencies & studios
Management & strategy
Bookkeeping & tax
Law firms & practices
Managed services & dev
Recruiting & placement
A&E firms
Brokerages & agencies
Payroll and contractor pay
Hiring ahead of new contracts
Bridging net-30/60 invoices
Software, tools, and licenses
Office space or equipment
Marketing and business development
Taking on a larger client
Expanding the team
A rough guide by monthly revenue. Actual offers depend on your full profile, these are estimates, not quotes.
Estimates only, not an offer of credit. Approval and amounts are subject to underwriting.
The options businesses like yours reach for most. Not sure which is right? We'll help you compare in one conversation.
A realistic picture of what we look for, and what to have ready so things move quickly.
6+ months in business
$10k+ in average monthly revenue
An active business bank account
Steady client deposits or billings
U.S.-based firm or agency
3–6 months of business bank statements
Recent invoices or contracts
A government-issued photo ID
Business info (EIN, entity type)
Share your restaurant, monthly sales, and what you need. Five fields, no credit pull at this stage.
We look at recent deposits and card volume to understand what you may qualify for.
See the products that fit your situation side by side, in plain language.
Once you choose a direction, funds for fast options can land in as little as a day.
Won a contract, need to hire first
Drew to staff up, repaid as billings cleared
A key client is paying late
Bridged payroll without missing a beat
Moving into a bigger office
Lower-rate financing for the build-out
Representative scenarios for illustration. Individual results, products, and timing vary.
We fund on revenue, not hard assets
Speed to hire ahead of a contract
Agencies, firms, and consultancies
Straight talk, no guaranteed-approval hype
Bridges client net terms
One conversation to compare every fit
A merchant cash advance is the purchase of future receivables, not a loan, and it is priced with a flat factor rate, not an interest rate. That makes it fast and flexible, but the daily remittance does not pause for a slow week. Here is where owners in your line of work feel it.
A daily debit starts almost immediately, but client revenue arrives on net-30, net-60, or at milestones, so the advance can begin collecting weeks before the invoice it was meant to bridge ever clears.
Payroll is the largest and least flexible cost in a service firm and it hits every cycle no matter what, so a remittance stacked on top of payday is the squeeze that hurts most when a client slips a payment.
Revenue is lumpy by project and retainer, so an advance sized off a strong billing month can land on a quiet month and pull cash you needed for contractor pay or software renewals.
With few hard assets behind the firm, the remittance is effectively secured by next month's billings, so losing or pausing one large client mid-term tightens cash fast while the obligation keeps running.
Picture an agency that takes a $60,000 advance at a 1.28 factor to make payroll while a net-60 client pays. That is $76,800 of receivables purchased, no compounding, over about 8 months, which is roughly $457 a business day across 21 business days a month. Because that debit runs daily but the invoice lands in 60 days, the worked question is whether the rest of your billings cover payroll plus remittance during the wait. For comparison only, the APR-equivalent on short, daily-remitted funding like this runs high, an estimate that is not the factor-rate pricing you actually agree to. For recurring payroll gaps a revolving line of credit often fits the rhythm better than an advance.
Illustration only, not an offer of credit. A factor rate is a flat multiplier; any APR shown is an APR-equivalent for comparison only. Actual terms vary by funder and underwriting.
“We landed a retainer that doubled the team, but payroll hit before the first invoice. The line of credit carried us through cleanly.”
Representative experience. Individual results vary. No outcome is guaranteed.
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