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● LOC · 5 daysMid-size law firm · Boston, MA
“We have one Fortune 500 client that pays Net-90. The line means partners take draws on time.”
Facility
$300,000
Use
AR bridge
Term
24mo revolving
Capital for firms that bill, don\'t swipe.
Law firms, accounting practices, agencies, consultancies. We underwrite knowledge businesses on AR, retainers, and contracted MRR — not card volume.
What we fund
Built for partners and practice owners.
Typical deal shape
What a professional deal usually looks like.
Ranges are informative, not promises. Your file is your file — we size to it specifically once we see bank statements.
● INTERNAL EST. · TRAILING 12 MO
Funding range$25K – $1M
Typical speed to funding3–5 days
Common deal size$68K
Across 1,120 firms funded. Smaller average — services firms borrow against AR, not capex.
Products we usually pair
The capital shapes that fit this industry.
A line of credit secured against AR is the standard. Term loans for partner transitions. AR financing for the firm with one or two enormous slow-paying clients.
AR01 / 03
Invoice Financing
Turn unpaid invoices into cash in 24 hours. Best for B2B with NET terms.
See product
LOC02 / 03
Business Line of Credit
Revolving credit — draw, repay, repeat. Pay interest only on what you use.
See product
Term03 / 03
Term Loan
Lump sum, fixed monthly payments, 12–60 month terms. The closest thing to a traditional bank loan.
See product
Questions
The ones we actually get asked.
Industry-specific answers — not generic boilerplate. Don't see yours? Drop us a line.
Do you fund single-partner practices?+
Yes — solos are common, especially for office build-outs and tech upgrades. Smaller deals, fast.
Will you advance against unbilled WIP?+
Generally no — we advance against billed AR with aging under 90 days. Unbilled WIP is too lumpy to underwrite.
What about agencies on retainer revenue?+
Retainer revenue is great collateral for an LOC — predictable, recurring, easy to underwrite. We can size larger lines than card-based businesses.
Is partner personal credit a factor?+
Yes, but firm financials lead. We've funded partnerships with mixed personal credit when the firm books were strong.