Professional Services FundingCover payroll while the invoices clear
Payroll and the lease are due now. The client is net-30, the next retainer lands mid-month, and you've just staffed up for a new engagement.
Law firm, accounting practice, agency, or staffing shop, we read your billing deposits and bank activity, not just your credit. Billed work pays on its own timeline.
About 2 minutes · no credit check · no obligation.
- Retainers & net-30 billing understood
- Firms, agencies & staffing alike
- Reviewed on deposits, not credit alone
You may qualify. Approval depends on underwriting. No obligation to accept an offer.
What happens after you check
- Reviewed on revenue & bank activity
- Share 3 months of statements if it looks viable
- A specialist follows up, no obligation
Sound familiar?
The work's billed. Payroll won't wait for net-30.
A profitable firm can still run tight, because salaries and rent are monthly while client payments arrive in waves. Here's where that pinches.
Payroll and the lease are due like clockwork, but your biggest client is net-30 and the next retainer hasn't landed yet.
With capital in place, you meet payroll and fixed costs on time and let receivables clear on the client's timeline instead of yours.
A new engagement is yours if you can staff it, but the hires cost salary for weeks before that account bills a dollar.
With working capital ready, you bring on the team and start the work now instead of turning the engagement down over timing.
A second office or a new practice area would grow the firm, but the build-out competes with the payroll you're already carrying.
With funding behind you, you expand without starving the engagements already paying the bills.
You may qualify on your billing deposits and bank activity, retainer and net-term cycles included. No obligation, and any payments are built to fit your cash flow.
60-second funding check
See how much capital your business could put to work.
A few quick questions. No credit check. You get a quick read on your funding strength, plus the smartest next move.
Not a commitment to lend or a bank loan. Approval depends on underwriting and is not guaranteed. Full disclosures.
You are not the only one
The cash-flow gap is normal. It is not a verdict on your business.
The squeeze between money out and money in is one of the most common pressures in small business, and research from the Federal Reserve and the JPMorgan Chase Institute shows how widespread it is.
- 27 days
- Median cash buffer the typical small business keeps in reserve, the cushion a slow stretch can swallow fast.Source: JPMorgan Chase Institute
- 1 in 4
- Small businesses hold fewer than 13 days of cash on hand.Source: JPMorgan Chase Institute
- 56%
- Of firms that sought financing needed it just to cover operating expenses, not to expand.Source: Federal Reserve, 2024 Small Business Credit Survey
- Only 41%
- Of businesses that applied for financing received the full amount they asked for.Source: Federal Reserve, 2024 Small Business Credit Survey
- Secure submission
- Reviewed by a specialist
- Revenue-first review
- No obligation
Funding optionsOne conversation. The option that fits how you get paid.
The right funding depends on what the money is for and how the cash comes in. A specialist reads your file and matches you to the fit, usually starting here.
Revenue-Based Funding
Most popularBest for covering a gap or moving on an opportunity fast.
Funding based on your revenue, not credit alone. It is a purchase of a set amount of your future receivables, not a loan, repaid as a small automatic share of deposits so it flexes with a slow week. A factor rate sets one total payback amount up front; it is not an APR.
Business Line of Credit
Best when the need keeps coming back.
A revolving limit you draw on when you need it and pay down when you don't, so you only pay for what you draw. Useful when the need is recurring rather than one-time.
HELOC
Best with 650+ credit and equity in your real estate.
A line against your property's equity, often funded within a day. You get an indicative number up front; final terms confirm against your equity and title. Speed is the draw.
Term Loan
Best for a one-time use with a predictable monthly payment.
A real business loan with a fixed payment over a set term. Because it is a true loan, an APR is the right measure here (unlike revenue-based funding), and there is no prepayment penalty.
SBA Loan
Best for strong profiles on an unhurried timeline.
Bank-funded term financing with the longest terms. As a real loan it carries an APR. It requires tax returns and more patience, so shorter bridge funding can carry you while it processes.
Equipment Financing
Best when you're buying equipment, new or used.
The equipment itself is the collateral, so it is often easier to qualify for. Possible tax write-offs may apply — confirm with a CPA.
Bridge Funding
Best when you need capital now while a slower loan is in process.
Short-term funding that puts cash to work today and can be cashed out when your term loan or SBA funds.
Invoice Factoring
Best when cash is stuck in unpaid invoices.
Turn outstanding invoices into cash now instead of waiting on net-30 or net-60. Funding is advanced against your receivables or a specific asset.
Revenue-Based Funding
Best for covering a gap or moving on an opportunity fast.
Funding based on your revenue, not credit alone. It is a purchase of a set amount of your future receivables, not a loan, repaid as a small automatic share of deposits so it flexes with a slow week. A factor rate sets one total payback amount up front; it is not an APR.
A common alternative: Business Line of Credit. Best when the need keeps coming back.
A funding specialist reads your file and matches the option that fits how you get paid. FundVella is not a lender; you may qualify, approval depends on underwriting, and there’s no obligation to accept an offer.
FundVella is not a lender. We connect you with specialists who review your file and match available options. Revenue-based funding uses a factor rate, not an APR (term loans and SBA loans are different and carry an APR). You may qualify; approval depends on underwriting, payments must fit your cash flow, and there's no obligation to accept.
How it worksThree steps, no surprises
- 1
Complete a quick prequalification
Answer a few questions about your business. About two minutes, no obligation.
- 2
Share recent bank statements if the file looks viable
If the basics line up, share 3 months of business bank statements for a proper review.
- 3
Review available options if underwriting supports the file
A funding specialist may contact you to review options. Approval depends on underwriting.
What owners like you fundReal funding ranges for your trade
$25,000 to $150,000
Cover payroll across net-30 billing
while invoices and retainers clear
$30,000 to $120,000
Hire and ramp for a new engagement
before the account starts billing
$75,000 to $300,000
Open a second office or practice area
when you are ready to grow
Illustrative funding ranges, not an offer or a guarantee. Most files land from $25,000 into the six figures, and larger files reach $5 million, depending on underwriting.
Is this a fit?Good fit vs. may need a closer look
A “may need review” doesn't mean no, it just means a specialist will look closer.
Often a good fit
May need review
- Time in business
- 6+ months operating
- Time in business
- Brand new / under 3 months
- Monthly deposits
- Steady retainer / invoice revenue
- Monthly deposits
- One client or sporadic billing
- Bank activity
- Recovers between billings
- Bank activity
- Frequent NSFs / negative days
- Existing advances
- None or one manageable
- Existing advances
- Multiple stacked advances
- Statements
- 3 months ready
- Statements
- Can't share statements
Questions and plain-English terms
Everything you might ask
My clients pay net-30 or on retainer. Does that hurt?
No. Retainer and net-term billing are expected in professional services. The review looks at your deposits over months, not one cycle.
Can I hire before a new engagement bills?
Yes. Staffing up ahead of a contract is a common use. Amounts depend on underwriting.
My credit is not perfect. Can I apply?
Yes. The review weighs revenue and bank activity, not credit alone. Approval depends on underwriting.
My clients pay net-30 or on retainer, does that matter?
No. Retainer and net-term billing are expected in professional services. Underwriting reviews your deposit pattern over several months, so the gap between work and payment doesn't automatically count against the file.
Can I use funds to hire before a new engagement starts billing?
Yes, staffing up ahead of a contract or engagement is a common use. Amounts depend on underwriting and your deposit history.
How much funding could my business qualify for?
It depends on underwriting, amounts are based on your revenue, bank activity, time in business, and existing obligations. A specialist reviews your file to find a range.
What do I need to get started?
Just a quick prequalification. If the file looks viable, recent business bank statements (usually 3 months) help move it forward.
Will checking my readiness affect my credit?
Starting a prequalification doesn't trigger a hard credit check. Options are reviewed mainly on business revenue and bank activity; credit is considered, but it isn't the only factor.
Is there any obligation?
None. Submitting your information doesn't obligate you to accept an offer, and any payments must fit your cash flow. A specialist may contact you to review your inquiry.
Words you might hear
- Retainer
- Money a client pays up front to reserve your time, drawn down as you do the work.
- Net-30
- The client has 30 days to pay your invoice after you send it.
- Factor rate
- One set price for the funding. It is not an APR. You know the full payback up front.
The gap will not close on its own
Take the 2-minute check and see where your cash runs short.