Capital for service businesses with strong margins
Law firms, accounting practices, consultancies, agencies, and IT services — match with lenders who understand recurring or retainer-based service revenue.
Funding for professional services
Professional services firms — law, accounting, consulting, marketing, IT services, design — share a common funding profile: low capital intensity, high gross margins, and revenue that comes through retainers, contracts, or net-30 invoices. Lenders love the margins, but the absence of physical collateral and the receivable lag can complicate underwriting.
Fine Point Lending matches professional services owners with lenders who underwrite around contract revenue, partner buy-ins, and acquisition opportunities, including specialty SBA lenders that understand the practice-purchase model.
Challenges we solve for
Long receivable cycles
Clients on net-30 or net-60 mean payroll runs ahead of cash. Lines of credit smooth this.
Partner buy-ins and buy-outs
SBA 7(a) routinely funds equity transitions in professional firms with attractive long-term terms.
Hiring and ramp
New senior hires take 6–12 months to be fully revenue-positive — working capital bridges that ramp.
Acquisitions of book or firm
Buying a competitor's book of business or an entire firm can be SBA-funded with limited collateral.
Loan products best suited for this industry
SBA 7(a) Loan
Acquisitions, partner buy-outs, and major office expansions with long terms and low rates.
Learn more about SBA 7(a) Loan →Business Line of Credit
Revolving capital for receivables and seasonal hiring.
Learn more about Business Line of Credit →Term Loan
Predictable installment financing for office build-outs, technology, and growth investments.
Learn more about Term Loan →Working Capital Advance
Fast bridge financing for cash gaps and surprise opportunities.
Learn more about Working Capital Advance →Equipment Financing
Office hardware, technology infrastructure, and specialty equipment financed on the asset.
Qualifications at a glance
- Time in business
- 1+ year for working capital · 2+ years for SBA
- Minimum monthly revenue
- $15,000+ for working capital · $30,000+ for SBA term debt
- Personal credit score
- 660+ recommended for SBA
- Documents commonly requested
- Last 2 years of business tax returns, AR aging, partner agreements, bank statements
Common use cases
Buying out a retiring partner
SBA-backed buy-out financing with terms long enough to preserve distributions.
Acquiring a book of business
Term loan or SBA 7(a) financing structured around recurring revenue retention.
Office relocation or build-out
Combination term loan + line of credit to cover construction and ramp costs.
Senior hire ramp
Working capital line to bridge a 6–12 month payback period on a senior producer.
"My advisor walked me through every offer and helped me pick the structure that protected my cash flow. That kind of guidance is rare."
Aisha M., Boutique Marketing Agency (NY) — $150K Term Loan