Growth Capital for Professional Service Firms
Hire talent, invest in technology, and scale operations without waiting for client invoices to clear.
- ✓ No impact on your credit score to check your options (soft check)
- ✓ Money in your account in about 24 hours
- ✓ Compare 30+ options with one application
2,400+ businesses helpedNo SSN required • Free quote in minutesTwo banks told me to come back next year. These guys had money in my account by Thursday.
Nobody pulled my credit, nobody played games. The offer they showed me is the offer I got.
Bought a second truck right before our busy season. It paid for itself in two months.
How much would actually help?
We build around your business.
No collateral required
We fund the business on its revenue — not your possessions.
Pay when you can
Repayment follows your actual sales — strong months pay more, slow months ease up.
Funded fast
Most owners see offers the same day and money within ~24 hours of signing.
Professional Services Funding
Professional service firms, accounting practices, marketing agencies, consulting companies, law firms, staffing agencies, and engineering firms, share a common challenge: their primary asset is talent, and talent is expensive. Growth means hiring before revenue catches up, investing in systems before efficiency gains materialize, and extending credit to clients who pay on 30-60 day terms while covering payroll every two weeks.
Granton Hale Capital works with service firms across every professional discipline. We evaluate your business based on client retention rates, average engagement size, contract backlog, and revenue per employee, the metrics that actually predict a service firm's financial health. A firm with 90%+ client retention and $100K+ in recurring monthly billings is a strong candidate regardless of the balance sheet's appearance during a hiring ramp.
Our professional services clients use funding to make key hires ahead of revenue growth, invest in practice management software, open new offices, and smooth out the cash-flow gaps created by enterprise client payment cycles. We structure repayment around your billing cycle so capital deployment aligns with when you actually collect revenue.
The funding gaps we close.
Hiring Ahead of Revenue
Growing a service firm means hiring people before revenue fully supports their cost. New employees take 2-6 months to become fully productive and bill at target utilization, creating a capital gap during every growth phase.
Client Payment Delays
Enterprise and government clients routinely pay on Net-45 to Net-90 terms. A single delayed payment from a major client can create a cash-flow crisis when payroll is due every two weeks.
Technology and Systems Investment
Modern service firms need practice management software, CRM systems, collaboration tools, and cybersecurity infrastructure. These investments are essential for competitiveness but don't generate revenue directly.
Revenue Concentration Risk
Many service firms derive 40-60% of revenue from their top 3 clients. Losing a single major client can threaten the entire operation, making diversification essential, but diversification requires investment in business development.
Funding built for your work.
Bridge the gap between hiring costs and revenue generation, cover payroll during client payment delays, and fund business development initiatives.
Revolving credit for managing payroll timing, covering project costs before client reimbursement, and handling variable expenses across engagements.
Structured financing for office buildouts, practice acquisitions, and major technology investments.
Convert outstanding invoices from creditworthy clients into immediate cash without waiting 30-90 days for payment terms to clear.
Your funding in three steps
Apply online
- 60-second form, plain questions
- No SSN, no impact on your credit score
- Bank-level encryption
Compare real offers
- Every option, side by side
- Same-day decisions
- Free to look — no obligation
Get funded
- Funded within ~24 hours
- No hidden fees, ever
- Built around your needs
What owners do with it.
Fund senior-level hires, recruitment fees, and the ramp-up period before new employees reach full billing capacity.
Deploy CRM, practice management, project tracking, and collaboration tools to improve utilization and client service delivery.
Cover lease deposits, buildout costs, and initial staffing for a satellite office in a new market.
Factor outstanding invoices or access working capital to cover payroll and expenses while waiting for enterprise client payments.
Owners just like you — funded.
Real businesses, real outcomes. Names and details changed for privacy — the numbers are typical of funded files.
Fair questions, straight answers.
01What types of professional service firms do you fund?+
We fund accounting and CPA firms, marketing and advertising agencies, IT consulting companies, management consulting firms, staffing agencies, engineering firms, architecture firms, law firms, and other B2B service providers. If your firm bills clients for professional expertise, we likely work with your industry.
02Can I use funding specifically to hire new employees?+
Absolutely. Funding new hires is one of the most common use cases for professional service firms. We understand that service firms grow by adding billable headcount, and we structure funding to cover the 2-6 month ramp-up period before new employees reach full utilization.
03How does invoice factoring work for professional services?+
You submit outstanding invoices from creditworthy clients and receive 85-95% of the invoice value within 24-48 hours. When your client pays the full amount, we remit the remaining balance minus a small factoring fee. You choose which invoices to factor, it's not all-or-nothing.
04Do you work with firms that have government contracts?+
Yes. Government contracts with their long payment cycles (often Net-60 to Net-90+) are particularly well-suited for our working capital and invoice factoring solutions. We evaluate the creditworthiness of the government entity and the contract terms as part of underwriting.
See your numbers first. Then decide.
- ✓ Pre-qualify in 60 seconds
- ✓ No obligation, no pressure calls
- ✓ Real people behind every file — 100% online