Business Line of Credit
For payroll and overhead between collections. Draw when the invoices are out, repay when they clear, and keep the facility for the next gap.
See Business Line of CreditWhat's your case?
Which funding fits your firm right now?
What it means for your cashYour biggest cost is on a fixed clock, your income is not, and the gap widens in the weeks between one engagement and the next.
Business Line of Credit
Draw across the gap and repay it when the invoices clear, rather than holding a cushion that sits unused in a good month.
- Range
- $10,000 – $500,000
- Term
- revolving
What it means for your cashPass-through cost sits on your balance sheet for 30 to 60 days.
Invoice Factoring Tool
The approved invoice becomes cash now, and the decision leans on the client's credit rather than yours.
- Range
- $10,000 – $3,000,000
- Term
- ongoing facility
What it means for your cashSalaries start on the first; the engagement starts billing in month two or three.
Business Term Loan
A fixed payment sized to the contract carries the ramp and then stops being a cost.
- Range
- $10,000 – $5,000,000
- Term
- 6 – 60 months
What it means for your cashThe purchase price is due at closing; the fees from those clients arrive monthly afterwards.
Business Term Loan
An amortising term turns a lump sum into a payment the acquired revenue covers.
- Range
- $10,000 – $5,000,000
- Term
- 6 – 60 months
What it means for your cashThe rooms and equipment are paid for before the first invoice goes out.
Collateral & Asset Loans
The fit-out and hardware can be financed as assets instead of drained from working capital.
- Range
- $10,000 – $1,000,000
- Term
- 12 – 60 months
What it means for your cashStacked payments turn a good month into an average one.
Consolidation of Positions
Pays off the positions you have and rolls them into one payment sized to your deposits.
- Range
- $10,000 – $2,000,000
- Term
- 6 – 36 months
Products
Three ways to fund a firm
Invoice Factoring Tool
For firms billing creditworthy business clients, and especially where you front pass-through cost. The approved invoice becomes cash, not a 45-day receivable.
See Invoice Factoring ToolBusiness Term Loan
For one defined move with a known price — an acquisition, a new practice area, a second office, or a team hired ahead of a signed contract.
See Business Term LoanFrom the blog
FAQ
Professional services funding questions
Yes. Underwriting relies on revenue, deposits, receivables and time in business rather than on hard assets. A firm with clean bank statements and recurring client payments is a normal file.
The products run from $10,000 to $5,000,000 depending on which one you use: a line of credit up to $500,000, a term loan to $5,000,000, and factoring to $3,000,000. The final number depends on deposits, time in business and the credit of the clients you invoice.
Business-to-business invoices are the usual fit. Contingency fees and consumer billing work differently, so ask your specialist before you assume a case will fund.
A line is simpler if the gaps are short and you want one facility for everything. Factoring scales further when you have large invoices to creditworthy clients, especially where you are carrying pass-through cost.
Factoring works from an issued invoice, so delivered work that has not been billed does not fund that way. A line of credit covers the weeks between finishing the work and billing it, and you repay it when the invoice clears.
Many products fund within 24-48 hours of approval. Factoring adds a verification step with your client, so a clean invoice and the right accounts-payable contact are what make the difference.
Falcon charges a 0% agreement fee. For factoring, the total amount and the percentage taken are spelled out on the agreement before you sign. No specific rate is published here, because it depends on your file.
Six months of business bank statements, a photo ID, a voided check and a list of any current advances or loans. Factoring also needs the invoices and your client's details; an accounts-receivable aging report helps most.