Capital for the firm.
Tailored financing for law firms, accounting practices, consulting groups and other partner-led professional service firms.
Long Beach professional services (law firms, accounting practices, consulting groups, engineering and architecture firms, agencies) share a financing profile distinct from retail or product businesses: high gross margins, asset-light operations, billable-hour or project-fee revenue, and partner-driven succession dynamics. The financing products that fit are different from what general business lenders default to.
Working capital lines of credit are usually the highest-leverage tool for professional services. They smooth the timing between work delivered and client payment, fund partner draws during slow quarters, and provide war-chest capacity for opportunistic hires or office expansion. Lines size against trailing revenue and receivables, typically running 1-3 months of revenue for established firms with clean books.
Partner buy-ins, practice acquisitions, and succession planning are the other big use case. SBA 7(a) financing can fund a partner buy-in (the incoming partner borrows against future distributions) or a complete acquisition of a retiring principal's book. Best-fit lenders here are specialty professional-services-lending banks rather than general SBA shops. We route based on practice type, partner structure, and the specifics of the deal. Succession financing is one of the highest-return uses of SBA debt for established Long Beach firms.
Browse the programs we structure most often for professional services operators. Every option starts with a soft credit pull.
Law, accounting & consulting
Partner buy-ins, lateral hires, technology and office build-outs financed around partner draw cycles.
Draw what you need, when you need it
Revolving capital that's there when AR slows or a new matter ramps up. Only pay interest on what you draw.
No collateral, no liens
Cash-flow-based underwriting for established firms with strong revenue. No UCC blanket liens or personal collateral.
We shop our lender network for you
Access 75+ vetted lenders through one application. We negotiate term sheets and present the best two or three.
Specialized programs across every sector we serve.
