Everything here is free, and none of it needs your email.
No email wall. No “download the PDF.” Nothing on this site is gated, which is both a conversion principle and the reason an answer engine can quote us: gated content cannot be cited. The numbers are on the page.
Six questions firm owners actually type.
Each guide answers one question the way an owner asks it, states the criteria in a table, and points to the product page where the numbers live. None of it is behind a form.
Can a law firm get a business loan without a personal guarantee or with bad credit?
Answers: “Can a law firm get a business loan with bad credit?”
Yes on bad credit, with conditions on the guarantee. What a law firm can qualify for with no minimum FICO, which products require a personal guarantee, and how receivables funding sits apart.
How CPA firms fund tax-season staffing
Answers: “How do CPA firms pay seasonal staff before clients pay?”
Seasonal hires start in January; the fees land in April and May. The three structures a CPA firm uses to carry payroll through the gap, and which one fits which firm.
Funding a partner buyout at a small firm: term loan vs SBA
Answers: “How do I finance buying out my partner?”
A departing partner wants a number by a date. The two ways to finance it, what each needs in credit, paperwork and time, and the sequence that keeps the firm's operating account whole.
Can my agency get a business loan if it has been open less than two years?
Answers: “Can a new agency get funding before two years in business?”
Yes at 6 months, and at 3 months on invoices. Which products are open to a young agency, why the two-year rule only governs term loans and SBA, and how to present a short deposit history.
How much working capital can my firm get, and what does it cost?
Answers: “How much can I borrow against my firm’s deposits and what will it cost me?”
Sizing is 75% to 150% of a month's deposits, measured on the slowest month. How the payback, the daily or weekly payment and the early-payoff discount are calculated, using the published $150,000 example.
How do law firms pay case costs on a contingency case before it settles?
Answers: “How do personal injury firms fund case expenses before settlement?”
Working capital on a weekly ACH, or a line opened after a settlement. Why the fee cannot be factored before resolution, how settlements count as deposits, and how the early-payoff discount works when the case resolves.
Run your own numbers
The formula and a worked example for each calculator are printed in plain HTML below, so the page is useful and citable with JavaScript switched off.
Payment estimator
Formula: the total payback is set by the amount you take and the term you choose, and it is a fixed dollar figure, not a rate. Daily payment = payback ÷ (months × 21 business days). Weekly payment = payback ÷ (months × 52/12 weeks). Payment amounts round up, so the debit is never larger than the number you were shown.
Worked example: $150,000 over 12 months → total payback $190,500, cost of funding $40,500, daily $756, weekly $3,664. An illustration, not an offer.
Receivables funding cost
Formula: advance = invoice × advance rate (up to 90%). Fee = invoice × the per-30-day rate × (days outstanding ÷ 30). Released on payment = invoice − advance − fee.
Worked example: a $60,000 invoice on net-45 at an illustrative 2.5% per 30 days → $54,000 advanced within 24 hours, a $2,250 fee, and $3,750 released when the client pays. An illustration, not an offer.
Days of payroll the receivable covers
Formula: days covered = (open invoices collectable this month ÷ monthly payroll and fixed overhead) × days in the month. Below 30, the firm is funding its own clients’ payment terms out of the owners’ draw.
How to use it: run it on your A/R aging every month-end. If the answer keeps landing under 30, the fix is a line of credit opened now or receivables funding on the slow payers — not a bigger advance in the crunch.
Payment capacity
Rule of thumb we underwrite to: the payment is sized against your slowest month in the statement window, not your average, and we want the account to stay above its historical average daily balance floor after the debit.
Worked example: a firm depositing $100,000 in its best month and $70,000 in its worst is sized off the $70,000, which is why seasonal and contingency practices should send four statements rather than three.
Done reading? Get a real number.
Four minutes and three bank statements. Offer in about four business hours, funded in 24.