Law firms, accounting practices, consulting groups, engineering and design firms — businesses where the revenue is real but the receivables drag. Merchant Fund Express funds professional service firms fast, with honest terms.
Clients on net-30 or net-60 are normal. Working capital or factoring smooths the gap so payroll never gets close to the edge.
Bring on a partner, a senior associate, or a billing specialist before the new work pays. Repay as the billings come in.
Practice management software, e-discovery platforms, CRM, AI tools — finance the contract so it's an operating expense, not a cash hit.
Build out a new floor, fund the security deposit, finance the furniture and IT for a move-in.
Buying a partner's book or a smaller competitor — we fund acquisition deals with clean numbers.
Especially for law firms — front-load marketing spend on a campaign with measured CPL/CPA history.
| Product | When it fits |
|---|---|
| Working Capital Loan | Fixed payments, terms up to 24 months. Predictable use, predictable payback. |
| Line of Credit | Draw only what you need. Best for firms with seasonal billings or unpredictable case timing. |
| Invoice Factoring | Sell receivables at a discount, get cash in 24-48 hours. Common for engineering firms and consultants billing big enterprise clients. |
| Revenue-Based Financing | Fixed daily or weekly ACH tied to revenue patterns — clean and transparent. |
| Equipment Financing | Servers, document scanners, large-format printers, surveying equipment, office furniture — financed over up to 60 months. |
Yes, as long as the firm produces $15,000+/month in revenue with at least 6 months of operating history.
Lawyers cannot factor contingent-fee receivables in most states — but settled invoices and hourly billings to corporate clients are fundable. We will walk you through which receivables qualify.
Yes. Partner buyouts and acquisitions of small firms or books of business are fundable when there is clean revenue history and a written purchase agreement.
No. Business financing is unrelated to professional liability coverage. We do not require an insurance assignment.
Decisions in 2-4 hours, with same-day funding possible. Larger acquisition deals take a few days for diligence.