Capital for the firm.
Tailored financing for law firms, accounting practices, consulting groups and other partner-led professional service firms.
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4 Professional Services solutions
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.
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Soft pull pre-qual
Program 01
Law, accounting & consulting
Partner buy-ins, lateral hires, technology and office build-outs financed around partner draw cycles.
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Rates from 8.99%
Program 02
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.
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Up to $500K
Program 03
No collateral, no liens
Cash-flow-based underwriting for established firms with strong revenue — no UCC blanket liens or personal collateral.
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No fee until close
Program 04
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.
Get matched with the right professional services program in minutes. Soft credit pull, no obligation.
