Financing for professional services firms
Consultancies, agencies and practices grow by hiring before the project bills. We help you explore capital for that growth, or financing to buy the office where your team works.
GROW™ — capital for your next stage
GROW™: up to $350,000, up to 10-year terms, no prepayment penalty and no specific personal collateral required.
What owners typically invest in
- Hiring staff and specialists
- Technology, software and equipment
- Working capital between projects
- Marketing and business development
- Office improvements
OWN™ — buy the building where you operate
Your main asset is the team, but the place they work sets your fixed cost and shapes the client experience. Owning the office turns a recurring expense into equity and gives you stability to plan multi-year hiring.
What lenders typically review
Lenders usually review how long the business has operated, its cash flow, the owners’ credit and your project pipeline and collection time. For GROW™, reference guidelines include three or more years in operation, a personal FICO of 650 or above, a minimum SBSS score of 165, personal and business debts current, repayment capacity with a minimum DSCR of 1.25x and no bankruptcy in the last seven years. GROW™ does not require specific personal collateral, though limited business collateral requirements may apply. To buy the property through OWN™, your business must occupy most of the building.
Frequently asked questions
Does capital cover payroll while projects collect?
Yes, working capital is contemplated, subject to your repayment capacity and lender approval.
Can I buy the office I rent?
In many cases, yes, if your firm occupies most of the property, through OWN\u2122.
What documents are requested?
Business tax returns, year-to-date financials, bank statements and a schedule of business debt.
How long does GROW\u2122 take?
It follows a fast-track funding process; timing depends on a complete file and lender approval.
Related uses of capital
Every rent payment builds your landlord's equity. With owner-occupied SBA financing, you can buy the building you rent today and turn that monthly payment into an asset you own.
Learn more
The right equipment lets you serve more customers, work faster and offer new services. With working capital you can invest in it without draining your operating account.
Learn more
A renovated space attracts customers, improves their experience and helps you work better. With working capital you can make those improvements without slowing down daily operations.
Learn moreIndustries
- Accounting & tax
- Agriculture
- Auto dealerships
- Automotive care
- Broadband
- Dental practices
- Educational services
- Fitness centers
- Franchise restaurants
- Franchises
- Funeral homes & crematories
- Government contracting
- Hardware stores
- Healthcare
- Home care
- HVAC & plumbing contractors
- Insurance agencies
- Investment advisory
- Law firms
- Managed service providers
- Pet care facilities
- Pharmacies
- Property management
- Restoration, remediation & cleaning
- RV parks
- Self-storage
- Veterinary clinics
- Other established small businesses
Find out what your business may qualify for
Answer a few questions and an advisor will review your case, with no obligation.
All financing is subject to approval, financial analysis and lender terms.