Professional Services Financing Nationwide, Acquisition, Partner Buyout, Expansion and Working Capital
💼 Financing Built for Professional FirmsI’m Kevin Kermeen, a nationwide commercial loan broker, not a bank. Professional services financing rarely turns on real estate, because a law firm, accounting practice or agency runs on people and cash flow, not buildings and machines. The biggest moves are acquiring a firm or a book of business, buying in or buying out a partner, expanding into a second office or a new market, and bridging the gap between billing and getting paid. I match you to the right capital for each: SBA 7(a) financing built for practice acquisition and partner buyouts, working capital and a business line of credit for the billing-cycle cash gap, invoice factoring when clients pay slow, and conventional or SBA 504 real estate only if you are buying your own office. Law, accounting, architecture and engineering, agencies, consulting, insurance, IT and managed services, financial advisory, real estate brokerage, and staffing, I match you to lenders who fund professional firms.
Professional Services Financing for Acquisition, Buyout, Working Capital and Growth
Professional services financing is built around how firms actually grow and transition, not around real estate. The headline moves are acquiring a practice or book of business, handling partner equity, and expanding the firm, and the workhorse tool for all three is SBA 7(a) financing, which underwrites the firm’s cash flow rather than demanding hard collateral. Around that, working capital and a business line of credit cover the gap between billing and collecting, invoice factoring turns slow client invoices into cash now, and conventional or SBA 504 real estate is there only if you are buying your own office. I match you to lenders who actually fund professional firms.
Firm and Book Acquisition
Buy a practice, a competitor or a book of business, usually through SBA 7(a) underwritten on the firm’s cash flow.
FF and E Financing
Furniture, fixtures and equipment, the room refresh and lobby upgrade, financed without draining operating cash.
Working Capital
Cover payroll and operations in the gap between doing the work, billing it, and finally getting paid.
PIP and Renovation
Fund the franchisor-mandated Property Improvement Plan or a full renovation, fast, before the brand deadline hits.
Invoice Factoring
Turn slow client and corporate invoices into cash now, advanced on the payer’s credit.
Expand the Firm
Open a second office, hire ahead of revenue, or grow into a new market with expansion capital built for it.
Professional Services Financing by Profession and Need
I finance professional firms of every kind nationwide, from law and accounting practices to architecture, engineering, agencies and consulting. Start with your profession or the move you are making below, and if you do not see your exact situation, call me anyway… I fund far more than what is shown here.
💼 Financing by Profession
💰 Financing by Need
A CPA Bought a Retiring Competitor’s Book of Business With SBA 7(a) and Almost No Money Down
A CPA had a chance to buy a retiring competitor’s book of business, a clean way to nearly double her practice overnight. The problem: the deal was almost entirely goodwill and client relationships, with little hard collateral, so her bank would not touch it.
She called me. I matched her to SBA 7(a) acquisition financing, which underwrites the cash flow and the client retention of the practice rather than demanding hard collateral, with a low down payment and long repayment terms. She acquired the book, retained the clients, and the added revenue covered the payment from month one.
That’s what the right professional services match looks like. Don’t Beg the Bank! Get funded instead.
The Right Loan Program for Each Professional Firm Need
Professional services financing isn’t one product. The right structure depends on whether you are acquiring, handling a partner transition, or just bridging the gap between billing and getting paid. I match you to the one that fits, tap any to explore it.
SBA 7(a) for Acquisition and Buyout
The workhorse for buying a firm or book of business and funding partner buyouts, underwritten on cash flow.
See SBA 7(a)Working Capital
Cover payroll and operations in the gap between doing the work, billing it, and getting paid.
See working capitalBusiness Line of Credit
Revolving capital for the billing cycle, draw when receivables lag and repay when clients pay.
See line of creditInvoice Factoring
Turn slow client and corporate invoices into cash now, advanced on the payer’s credit.
See invoice factoringSBA 504 for Your Office
Buying the building your firm operates in? Owner-occupied real estate with a lower down payment and long fixed terms.
See SBA 504Equipment and Technology
Finance the workstations, servers, software and specialized equipment a modern firm runs on.
See equipment financingQualifying for Professional Services Financing
Professional services lending is built around cash flow, not collateral. SBA 7(a) and the working capital lenders underwrite the firm’s revenue, its client base and the strength of the deal, not just hard assets, so a profitable firm with decent credit has strong options even with little to pledge. The right lenders read a professional firm’s books correctly. I qualify deals honestly so neither of us wastes time.
✅ What helps you qualify
- ✔An operating firm with revenue, or a clear plan and a firm or book of business to acquire.
- ✔Profitable cash flow a lender can underwrite, the core of an SBA 7(a) or working capital deal.
- ✔Revenue, receivables or a credible acquisition plan a lender can verify.
- ✔A down payment or equity injection that strengthens an acquisition or buyout file.
💡 Straight talk
- →SBA 7(a) is underwritten on the firm’s cash flow and client retention, not just hard collateral.
- →Working capital, a line of credit and factoring move fast when receivables lag payroll.
- →Credit is flexible, there’s no single hard FICO floor; stronger credit means better terms.
- →You choose: SBA 7(a) for big moves, a line of credit for cash flow, or 504 to buy your office.
Get Your Professional Services Financing Options
Tell me about your firm and what you\’re trying to do. I review every request personally and call you back, usually same day.
Got it. I’m on it.
Your professional services financing request landed in my inbox. I personally review every submission and most responses go out within one business hour.
Watch for a call from me, Kevin Kermeen, I call directly, I don’t text.
Recent Professional Services Financing From My Desk
A snapshot of the professional services financing I match to lenders across the country. Every firm is different, yours starts with a conversation.
Professional Services Financing · SBA 7(a)
A CPA acquired a retiring competitor’s book of business with SBA 7(a) financing and a low down payment.
Law Firm · Partner Buyout
A firm funded the buyout of a retiring partner’s equity without draining the practice’s operating cash.
Marketing Agency · Working Capital
An agency covered payroll and media spend with working capital while waiting on slow client payments.
How I Match Professional Services Financing to the Right Lender
A professional firm runs on people and cash flow, not buildings and machines, so the financing that matters most is rarely about real estate. I work with many lenders, so I match your professional services financing to the right one, usually SBA 7(a) for acquisition and partner buyouts, working capital and a line of credit for the billing-cycle gap, and conventional or SBA 504 real estate only when you are buying your own office. I review the options with you before you commit.
Here’s the reality for a professional firm, and the honest truth most broker sites bury. Banks love hard collateral, and a law firm, accounting practice or agency is mostly goodwill, contracts and people, which is exactly why a conventional bank often passes on the deals that matter most. The two biggest moves are acquisition and partner transition: buying a competitor, a retiring owner’s practice or a book of business, and bringing a new partner in or buying a retiring one out. The workhorse for both is SBA 7(a) financing, which underwrites the firm’s cash flow and the value of the relationships rather than demanding real estate as collateral, with a low down payment and long repayment terms. Around those big moves, the day-to-day problem is timing: you do the work, you bill it, and then you wait 30, 60 or 90 days to get paid while payroll comes due now. Working capital and a business line of credit bridge that gap, and invoice factoring turns slow client and corporate invoices into cash immediately. Real estate only enters the picture if you are buying the building your firm operates in, where conventional or SBA 504 owner-occupied financing fits.
The right structure depends on the move. To acquire a firm or book of business, or to fund a partner buyout, that is usually SBA 7(a) financing underwritten on cash flow. To bridge the gap between billing and getting paid, that is working capital or a business line of credit, and for slow client invoices, invoice factoring advances the cash now. The workstations, servers and software a modern firm runs on go on equipment financing, and if you are buying your office, the SBA programs including 504 fit owner-occupied real estate. According to the U.S. Small Business Administration, its 7(a) loan program can be used to acquire a business.
So tell me what you’re trying to do, acquire a firm, bring in or buy out a partner, cover payroll between receivables, or buy your office, and I’ll match you to the lender most likely to fund it. Find your profession or your need in the directory above, or compare every option on my loan programs page. I also finance other sectors, including healthcare practices, hotels and hospitality, and manufacturing, or see them all on my industries page. Don’t Beg the Bank! Get funded instead.
Sources: U.S. Small Business Administration, 7(a) loan program and 504 loan program.
Straight Answers Before You Apply
What is professional services financing?
How do I finance buying another firm or a book of business?
Can I finance a partner buy-in or buyout?
How do I cover payroll between client payments?
What kinds of professional firms do you finance?
What does it cost to work with you?
A Broker Who Knows Which Lenders Fund Professional Firms
I’m Kevin Kermeen, the nationwide commercial loan broker behind 75BizLoans.com, not a bank and not a lead-selling portal. Professional firms get turned down by collateral-focused banks all the time, because the value is in cash flow and relationships, not hard assets. I work with the SBA 7(a) acquisition lenders, the working capital and line-of-credit lenders, and the factoring desks who underwrite a firm correctly, and knowing which one fits your move is exactly what I do. I personally review every application, I call you directly, and I never text. For the acquisition route, see the SBA 7(a) loan program.
Don’t Beg the Bank!
Get Funded Instead.
Banks hand out umbrellas when the sun is shining, not when you’re weathering the storm … and they’ll pass on the firm acquisition or partner buyout that would double your business, just because it lacks hard collateral. I match you to professional services financing built for how firms actually grow … SBA 7(a) for acquisition and buyouts, working capital and a line of credit for the billing-cycle gap, factoring for slow-paying clients, and owner-occupied real estate when you buy your office. Get a same-day callback from a broker who reviews every deal himself.
Professional services financing covers SBA 7(a) and 504 loans, working capital, business lines of credit, invoice factoring and equipment financing, with conventional commercial real estate available for owner-occupied office purchases up to $100 million on qualified transactions. SBA 504 and 7(a) loans are generally capped at $5 million and are separate government-backed programs with their own eligibility, terms and timelines set by the SBA. Working capital, line of credit, factoring and equipment amounts, rates, terms, advance rates and funding timelines vary by lender, product, creditworthiness, revenue and the receivables involved. *90% leverage applies only to qualified commercial real estate, development and construction transactions generally between $5 million and $100 million and is not typical of professional services lending; it is included only for owner-occupied real estate purchases. All figures are illustrative and not a commitment to lend. No upfront fees refers to fees payable to 75BizLoans.com; I am paid by the lender at closing. Some partner lenders may require a commitment deposit when you accept their term sheet.