Professional Services
Working capital for
professional services.
Smooth out billing cycles, hire ahead of new contracts, and invest in the technology your firm runs on. Working capital up to $5M structured around your billing cadence.
- Up to $5M
- No hard credit check
- Same-day decisions
- All 50 states
Funding professional services
How PIRS funds professional services.
Service firms run on receivables. Engagements are booked, work is performed, invoices are cut on net-30 or net-60, and payroll, tech bills, and bench costs don't pause while the receivable ages on the books.
PIRS underwrites trailing deposits across the full billing cycle, not a single slow month. Funding is sized to your actual cadence so a single late client doesn't stall your hiring plan or technology roadmap.
Bill on net-60, hire on day one. We fund the working-capital gap in between.
Common use cases
What professional services operators actually use working capital for.
Drawn from real PIRS-funded files across the category.
Hiring ahead of a new engagement or RFP win
Bring senior talent on board before the engagement starts so the team is ready on day one.
Software, security, and infrastructure investments
Modern CRM, ERP, security tooling, and the AI/data infrastructure your firm increasingly runs on.
Business development & marketing pushes
Paid acquisition, conference presence, account-based marketing, and content investments aimed at pipeline.
Smoothing net-30 / net-60 billing
Cover payroll and operating costs while invoices clear so the team isn't pressured by a slow client.
Office relocations or expansions
Fund a build-out, satellite office, or relocation without pulling cash from operations.
Strategic acquisitions or partner buyouts
Acquire a smaller competitor, fund a roll-up, or buy out a retiring partner without disrupting cash flow.
Why PIRS
Why professional services operators choose PIRS.
Underwriting tuned to how your category actually earns, not a generic credit box.
Sized to billing cadence
Net-30 / net-60 cycles are normal here. We underwrite trailing receipts and structure around your real timeline.
Subordination flexibility
Existing LOCs or equipment financing don't auto-decline a strong file. We structure around your stack.
Same-day soft offers
When a hire is time-sensitive, a same-day decision means you can move on a candidate without waiting on a bank.
Built for service firms
Underwriting accounts for service-firm economics: labor-driven cost base, receivables-heavy balance sheet, growth-through-hires dynamic.
A note on eligibility
A few sub-segments aren't eligible.
We say no up front. It saves everyone time.
- Law firms are not eligible per our underwriting guidelines.
- Accounting, tax-preparation, and bookkeeping practices are not eligible.
- Real-estate brokerages and investment-focused entities are not eligible.
- Insurance agencies are reviewed case-by-case.
Questions we hear most
Professional Services: what operators ask first.
Which professional services firms qualify for working capital?
How does PIRS handle long client payment cycles?
Can a service firm use working capital to hire?
Do you fund marketing and creative agencies?
Can I use the funds for software, tools, or AI infrastructure?
Adjacent verticals
Other industries we fund.
Many operators run businesses that straddle categories. Here are a few we underwrite alongside this one.
- BBB A+ Accredited
- Trustpilot
Working capital built for professional services.
Apply in minutes for a soft offer with no hard credit check. A real person works your professional services file from start to finish.