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Working capital loans for professional services

Short-term funding for payroll, rent, inventory and other everyday costs. Firm owners use Credible Lending working capital loans to hire ahead of a new contract or bridge net-60 client terms, with 3 to 18 months and decisions in 4–6 hours.

Apply nowAbout working capital loans
See what you qualify forStep 1 of 5
How much funding do you need?

A best guess is fine. You can change it with your advisor.

$10K$5M
How long have you been in business?
What's your average monthly revenue?

Total deposits into your business account in a typical month.

What's your personal credit score?

An estimate is fine. Applying won't affect your score.

Where should your advisor reach you?

We'll use this only for your application.

Working capital loans for firm owners
Amount$10K – $2M
Term3 to 18 months
SpeedDecisions in 4–6 hours
PaymentsDaily or weekly
Best forPayroll, rent, inventory and seasonal swings

Common uses in professional services

  • Hire ahead of a new contract
  • Bridge net-60 client terms
  • Open a new office
  • Invest in software and systems

Why firm owners choose a working capital loan

People are the cost

Payroll runs every two weeks. Clients pay on their schedule.

Hiring leads revenue

New staff take months to bill fully. Capital covers the ramp.

Receivables are strong

Invoices to established clients are an asset you can borrow against.

How does a working capital loan work?

  1. 1

    Apply with basic business details and recent bank statements.

  2. 2

    We review revenue and cash flow, not just your credit score.

  3. 3

    Choose from offers with different amounts and terms.

  4. 4

    Funds land in your account, often the same day.

What do I need to qualify?

  • 1 year in business
  • $10K+ in monthly revenue
  • 625+ FICO score
Check my options

Other funding for firm owners

Questions, answered

Something else on your mind? Ask an advisor.

Can firm owners qualify for a working capital loan?
Yes. Most Credible Lending programs look for at least one year in business, $10,000 or more in monthly revenue and a 625+ credit score. We review professional services financials with the industry's cash-flow patterns in mind.
How fast can I get a working capital loan?
Decisions typically come within 4–6 hours of a complete application, and funding often follows the same or next business day.
What documents do I need?
Usually a short application and your last three to four months of business bank statements.
Do staffing agencies qualify?
Yes. Staffing firms often use invoice financing to cover weekly payroll while clients pay on 30- to 60-day terms.

Ready when your business is.

Apply in about three minutes with a soft credit check. You'll hear back the same day.

Apply nowTalk to an advisor