Industry finance
Business finance for professional services
Agencies, consultancies, firms and other professional services carry few physical assets and a lot of work-in-progress. Their finance is mostly about people and timing: hiring before the billings land, and carrying project-based invoicing.
An enquiry is a conversation, not an application. We won't submit anything to a lender without your say-so.
A professional services business grows by taking on people and projects before the revenue catches up. Payroll runs monthly, but client invoicing is often milestone-based or slow, so the gap between doing the work and being paid is where the pressure sits.
Because there is little to pledge, unsecured finance and revolving facilities tend to fit best. We are a broker, not a lender: we compare business-purpose options across the panel and bring back what suits a firm's cash-flow shape.
Common funding needs
Where the finance usually goes
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Hiring ahead of billings
The working capital to bring on staff before the extra revenue arrives.
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Office and technology
A fit-out, hardware or software rollout, spread rather than paid in one hit.
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Bridging project invoicing
Carrying milestone or retainer billing so payroll is never at the mercy of a slow client.
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Marketing and growth
Funding a push or an expansion ahead of the return.
Which finance fits
Options worth comparing
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Unsecured business loans
A natural fit where there is little to pledge; assessed on your trading.
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Business line of credit
A revolving limit to carry the gap between work done and invoices paid.
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Invoice finance
For firms that invoice other businesses, unlock cash tied up in unpaid invoices.
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FAQs
Professional services finance questions, answered straight
How do service firms with no assets get finance?
Through unsecured lending, which is assessed on the business's trading rather than on assets, and through revolving facilities such as a line of credit. Firms that invoice other businesses can also use invoice finance. Directors usually guarantee unsecured facilities. We are a broker, not a lender, and we compare what the panel offers your firm.
Can I fund payroll while waiting on client invoices?
That is exactly the gap a line of credit or invoice finance is built for: a limit you draw on to cover payroll and repay when the client pays, or an advance against the unpaid invoice itself. Which is cheaper depends on how you bill and how reliably clients pay. We run that comparison with you before anything is submitted.
Find out what your business actually supports.
One conversation tells you what the panel would do with your file, what it would cost, and which structure fits your cash flow. You decide whether any of it is worth taking.
An enquiry is a conversation, not an application. We won't submit anything to a lender without your say-so.