Funding for firms that bill by the hour.
Billable Capital funds law firms, CPA firms, consultancies, agencies and design firms directly — $10,000 to $2,000,000, underwritten on your deposits and your client billing, in your account in 24 hours. No minimum credit score. No lockbox on your operating account. No waiting on net-60 to make payroll.
4-minute application. Applying does not affect your credit.
You bill on the 1st. The client pays on the 45th. Payroll is on the 15th.
A professional-service firm does the work first and gets paid last. Invoices go out monthly on net-30 or net-60 terms, the best clients still pay late, and a contingency case or a tax season lands the whole year’s fees in a few weeks. Meanwhile payroll, rent, malpractice and E&O premiums, software seats and the new associate you hired ahead of the work all come due on a calendar that doesn’t care when the client’s AP department runs checks.
Billable Capital is built for that gap. We underwrite your deposits and your client billing — retainers, recurring clients, the size and spread of what comes in — not just a score. Repayment is a fixed daily or weekly ACH you know before you sign, and your receivables stay yours. If what you really need is to get paid on day 2 instead of day 45, receivables funding advances up to 90% of the invoice the week you send it.
- Retainers, recurring clients and lump-sum fees all count toward your approval
- Fixed payment set at signing — no percentage of deposits, no lockbox on your operating account
- Hire ahead of the engagement, not after the first invoice clears
- Net-30 and net-60 invoices turned into cash this week with receivables funding
One month at a firm, two calendars
The work was done and the invoice is good. The only thing wrong is the timing. A fixed debit is a number you can put on a payroll calendar and plan a slow quarter around. If the payment stops working, you call us and we re-term it.
Five ways to fund a firm.
The fastest money costs the most. The cheapest money takes the longest. Here is the whole trade-off, with no form in the way.
Working capital
In‑housePayroll between retainers, a new hire before the work lands, a case-cost or a tax-season staffing bill. No minimum FICO.
Working capital →Line of credit
In‑houseDraw when a client pays slow, repay when they pay, draw again next quarter. 600+ FICO.
Line of credit →Receivables funding
In‑houseTurn net-30 and net-60 client invoices into cash this week. Up to 90% advanced; your client’s credit is what’s underwritten.
Receivables funding →Term loan
Bank partnersA partner buyout, a second office, buying a book of clients, or consolidating advances into one monthly payment. 650+ FICO.
Term loan →SBA 7(a) & Express
SBA partnersThe lowest cost of capital available to a firm, if you have the time and the credit. Partner buyouts and practice acquisitions are eligible uses. 10% down, 680+ FICO.
SBA 7(a) & Express →See your numbers before you apply.
Move the sliders. These are the three numbers that matter on a working capital advance — what you get, what you pay back, and what leaves the operating account each day or week.
Your estimate
A $150,000 advance over 12 months, repaid daily.
- Daily payment
- $756
- Total payback
- $190,500
- Cost of funding
- $40,500
- Paid off in the first 30 days, you keep up to
- $12,150
Estimates only, at a representative cost for a file that meets our standard criteria. Daily figures assume 21 business days a month; weekly figures assume 52 weeks a year. Payment amounts round up, so the debit is never larger than the number you were shown. Your real offer depends on underwriting your bank statements. Nothing here is an offer.
Get my real offer →With JavaScript off, the default case still holds: a $150,000 working capital advance over 12 months has a total payback of $190,500, a cost of funding of $40,500, a daily payment of $756 across 21 business days a month, and a weekly payment of $3,664. An illustration, not an offer. See disclosures.
What a firm needs to qualify.
Every number below is a real criterion. If you clear these, apply. If you don’t, call us and we’ll tell you what would change it.
| Minimum monthly revenue | $15,000 in business bank deposits |
|---|---|
| Minimum time in business | 6 months |
| Minimum credit score | None for working capital or receivables funding. 600+ for a line of credit. 650+ for a term loan. 680+ for SBA. |
| Funding range | $10,000 to $2,000,000 for working capital. Up to $5,000,000 for term loans, SBA, and receivables facilities. |
| Time to a real offer | About 4 business hours on a complete file. |
| Time to funding | 24 hours. Same day if a clean file is signed before 11:00 AM ET. |
| Documents required | Application plus your 3 most recent months of business bank statements. 4 months if your billing is seasonal (tax season, contingency fees, year-end retainers). |
| Contract length | 2 pages. |
| Repayment | Fixed daily or weekly ACH from your operating account. No split funding. No holdback percentage. No lockbox on your operating account. |
| Prepayment discount | Up to 30% off the remaining cost of funding when a working capital advance is paid off within the first 30, 60, or 90 days. |
| Retainers & client billing | Counted. Retainer deposits, recurring client payments and lump-sum settlements all count toward your approval. Client trust (IOLTA) accounts are not underwritten as revenue — send the operating account. |
| Billing system requirement | None. Any practice-management, time-and-billing or invoicing system, or none at all. Underwriting is from bank statements. |
| Firm types approved | Law firms including contingency-fee practices, accounting and CPA firms, bookkeeping and tax preparers, management and IT consultancies, marketing, advertising, PR and creative agencies, architecture, engineering, surveying and environmental firms, HR consultants and recruiters. |
| Not required | Collateral for working capital. A business plan. Tax returns under $500,000. A minimum headcount or number of partners. A specific billing system. An audited financial statement. |
| Open to | U.S. businesses with a U.S. business bank account. All 50 states. |
Four minutes. Three bank statements. No credit impact to apply.
Fourteen kinds of firm. One set of criteria.
Including the three profiles most lenders read as unstable — lumpy contingency fees, a tax-season business and a firm with one anchor client — marked in gold.
- Law firms
- Contingency-fee & PI firms
- Accounting & CPA firms
- Bookkeeping & tax preparers
- Management consultancies
- IT consulting & managed services
- Marketing & advertising agencies
- Design, branding & video studios
- PR & communications firms
- Architecture firms
- Engineering firms
- Surveying & environmental consultants
- HR consultants & recruiters
- Firms with one anchor client
Four minutes to apply. Twenty-four hours to fund.
Send us four minutes and three statements
Firm name, EIN, monthly deposits, what the money is for, and your three most recent months of business bank statements for the operating account. Four if your billing is seasonal. No tax returns under $500,000.
An underwriter reads your file
Every file is read by a person, not a score. We look at average daily balance, how many clients your deposits come from, retainers and recurring billing, your NSF pattern and your slowest month — not just the top-line number. Offer in about four business hours during the week.
Sign two pages and get funded
You see the amount, the payback, the payment and the schedule before you sign anything. A clean file signed before 11:00 AM ET generally funds the same day; otherwise next business day.
Built by people who have read a firm’s A/R aging.
Your slow quarter isn’t a red flag to us.
Most underwriting models punish a July that runs far under April, or a year where the fees arrive in two settlements. We read a tax season as a tax season and a contingency practice as a contingency practice. Send four months of statements instead of three and we structure the payment against your floor, not your average.
We underwrite the billing, not just the balance.
How many clients your deposits come from, whether they recur, whether there is a retainer under them. A firm depositing from thirty clients on monthly retainers reads differently from one with a single payer, and we price for the difference instead of declining it.
Re-term it instead of stacking it.
If the payment stops working, call us before you take a second position somewhere else. We’d rather restructure a live file than watch a firm end up on four advances. That conversation costs you nothing.
A two-page contract you can actually read.
Amount, payback, payment, schedule, prepayment discount. Two pages. You review documents for a living; this one won’t take you long. If something isn’t clear, ask on the phone and we’ll walk the line with you.
Questions firm owners actually ask.
Can a law firm or CPA firm get funding with bad credit?
Yes. Billable Capital has no minimum credit score for working capital advances or receivables funding. We underwrite your business bank statements — deposit volume, average daily balance, how many clients the deposits come from, NSF pattern, and month-to-month consistency. A line of credit needs 600+, a term loan 650+, and an SBA loan 680+.
How much can a professional-service firm borrow?
Billable Capital funds $10,000 to $2,000,000 in working capital, and up to $5,000,000 on term loans, SBA 7(a), and receivables facilities. Working capital approvals generally land between 75% and 150% of one month’s bank deposits.
How fast can my firm get funded?
About four business hours to an offer on a complete file, and 24 hours to funding. A clean file signed before 11:00 AM ET generally funds the same day.
Do you need my receivables or my client list?
Not for working capital, a line of credit, a term loan or SBA — those are underwritten from your operating-account bank statements. Only a receivables facility looks at your invoices and the clients who owe them, because that is what it advances against.
Does a retainer or a trust account count?
Retainer payments and recurring client billing that land in your operating account count toward your approval. A client trust or IOLTA account is not your money and is not underwritten as revenue, so send statements for the operating account, not the trust account.
My fees come in lumps — contingency cases, tax season, year-end. Is that a problem?
No. Send four months of statements instead of three and we structure the payment against your slowest month rather than your average. Lumpy is not the same as unstable, and we read the difference.
What documents do I need?
A four-minute application and your three most recent months of business bank statements — four months if your billing is seasonal. No tax returns under $500,000, no business plan, no financial statements, and no collateral for working capital.
How is it repaid?
Billable Capital repays by a fixed daily or weekly ACH from your business operating account. There is no split of your deposits, no holdback percentage, and no lockbox on your operating account. The number is fixed before you sign.
What happens if I pay it off early?
You keep up to 30% of the remaining cost of funding. A working capital advance paid off inside the first 30, 60, or 90 days qualifies for a prepayment discount of up to 30% on the remaining cost of funding.
What is the minimum revenue to qualify?
$15,000 a month in business bank deposits, with a minimum of 6 months in business and a U.S. business bank account. Billable Capital funds in all 50 states.
The invoice is good. Stop waiting on it.
$10,000 to $2,000,000. No minimum FICO. Four minutes to apply.
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