Business Line of Credit
Revolving access to capital. Draw for payroll/marketing, repay when clients pay. Interest only on what you use.
- $10K–$500K
- Revolving, 12–24 month renewal
- Prime + 1–5% (variable)
- Best for: recurring needs, billing gaps
WESTVALVE FINANCIAL • WORKING CAPITAL FOR PROFESSIONAL SERVICES
Working Capital for Professional Services.
Lines of credit, short-term loans, revenue-based financing — payroll, marketing, technology, insurance gaps. Fast funding for professional practices.
No obligation to explore your options. Financing is subject to provider approval and program requirements.
WESTVALVE FINANCIALPROFESSIONAL SERVICES WC
FUNDING IN 24-48 HOURS
Capital for billing cycle gaps.
Payroll. Marketing. Technology. The gap between billing clients and collecting payments. We help professional services firms access the capital that keeps clients first.
WORKING CAPITAL FOR PROFESSIONAL SERVICES
Capital for billing cycle gaps.
Professional services have unique cash flow cycles — work delivered today, client pays 30-90 days later. We help you access the right product for your billing cycle.
Short-Term Working Capital Loan
Lump sum for immediate needs. Fixed payments over 3-18 months.
- $10K–$500K
- 3–18 month terms
- Fixed rates
- Best for: specific one-time needs
Revenue-Based Financing
Repay a % of monthly revenue. Payments scale with your practice.
- Up to 10-15% of annual revenue
- Repay 1.3–1.5x advance
- Payments scale with billings
- Best for: retainer/project revenue
SBA Working Capital
Lowest rates, longest terms. SBA 7(a) for qualified professional services.
- Up to $5M
- Up to 10-year terms
- Prime + 2.25–4.75% (capped)
- Best for: qualified practices, larger needs
WHY PROFESSIONAL SERVICES CHOOSES US
We understand billing cycle gaps.
01
Billing Cycle Gaps
We understand 30-90 day client payment cycles. Products that bridge the gap between work and payment.
02
Retainer & Project Revenue
Retainer and project-based revenue data = faster approvals. Revenue-based financing uses your monthly billings.
03
Payroll & Tech Gaps
Lines of credit for bi-weekly payroll, revenue-based for tech upgrades, SBA for expansion.
04
Equipment vs Working Capital
We help you separate equipment needs (equipment financing) from cash flow needs (working capital).
PRODUCT OPTIONS
Right product for your billing cycle.
Line of Credit
Draw for payroll/marketing, repay after client pays. Interest only on what you use.
- $10K–$500K
- Revolving, 12–24 month renewal
- Prime + 1–5% (variable)
- Best for: recurring billing gaps
Short-Term Loan
Lump sum for specific need. Fixed payments over 3-18 months.
- $10K–$500K
- 3–18 month terms
- Fixed rates
- Best for: one-time expansion need
Revenue-Based Financing
Repay a % of monthly revenue. Payments scale with your practice.
- Up to 10-15% of annual revenue
- Repay 1.3–1.5x advance
- Payments scale with billings
- Best for: retainer/project revenue
SBA Working Capital
Lowest rates, longest terms. SBA 7(a) for qualified professional services.
- Up to $5M
- Up to 10-year terms
- Prime + 2.25–4.75% (capped)
- Best for: qualified practices, larger needs
BILLING CYCLE MATCHING
We match the product to your revenue model.
01
Retainer Model (Monthly)
Line of credit for predictable gaps. Revolving = always available for payroll/ops.
02
Project-Based (Milestone)
Revenue-based financing scales with project milestones. Payments match deliverables.
03
Contingency Fee (Contingent)
Revenue-based financing only pays when you collect. Zero payment if no recovery.
04
Annual Premiums (Insurance/Tech)
Working capital loan or SBA for large annual premiums. Spread 12-month cost over 12 months.
GET STARTED
Let's bridge your billing gaps.
Tell us about your practice, billing model, and cash flow needs. We'll match you with providers who specialize in professional services.
FAQ
Questions about professional services working capital.
Can professional services firms get working capital loans?
Yes. Professional services is eligible for all working capital products — lines of credit, short-term loans, revenue-based financing, and SBA working capital. Lenders understand billing cycles (30-90 days) and retainer models. We work with providers who specialize in professional services financing.
What's the best working capital option for billing cycle gaps?
A business line of credit or revenue-based financing. A line of credit lets you draw for payroll and expenses while waiting on client payments (30-90 days). Revenue-based financing automatically adjusts payments to your daily collections — payments drop when billings slow.
Can professional services firms use working capital for technology?
Yes, but equipment financing is usually better for technology — lower rates (5-15%), longer terms (2-7 years), 100% financing, and Section 179 tax benefits. Working capital is for cash flow gaps; equipment financing is for asset purchases.
How fast can a professional services firm get working capital?
Alternative working capital: 24-48 hours. Business line of credit: 3-10 business days. SBA working capital: 30-90 days. Revenue-based financing: 24-48 hours. Speed depends on the product and documentation readiness.
What credit score do professional services firms need for working capital?
Alternative working capital: 500+ credit score. Business line of credit: 600+. SBA working capital: 680+. Strong recurring revenue (retainers, contracts) can offset lower scores. We've seen 580-620 scores approved with strong daily collections.
Can professional services firms use working capital for payroll and marketing?
Yes. Working capital is specifically designed for day-to-day operations — payroll, marketing, technology, rent, insurance, and the gap between billing clients and collecting payments.