You hire before the revenue lands. Everyone does.
Strong margins, clean books, and clients who pay slowly.
Why cash runs short here
The constraint here’s rarely margin. It’s that people are hired and paid monthly while clients settle on their own schedule, and that growth means committing to salaries before the engagement revenue lands.
What it funds
- Hiring ahead of contracted revenue
- Bridging client payment terms
- Partner buy-in or practice acquisition
- Office build-out or relocation
- Technology and systems
- Smoothing a lumpy billing cycle
What usually fits
- Business line of credit Capital on standby. Interest accrues on the balance, not on the limit.
- SBA loans Government-guaranteed 7(a) and 504 programs. The lowest long-term cost most businesses can reach.
- Term loan A lump sum on a fixed payment. Built for a project with a return you can already estimate.
Advising professional services
Send the file and we will come back with the structures your numbers support.