Invoice Factoring
Advance against client invoices so you're paid before they pay you.
Learn moreFunding for Professional Services.
Agencies, firms, and consultants do the work first and bill later. We smooth the lumpy invoicing so you get paid before your clients do.
The Reality
Professional Services Funding Challenges.
Service firms front labor costs and wait on client invoices that pay on their own schedule.
Labor Before Payment
Payroll runs every cycle while client invoices pay net-30 or longer.
Lumpy Project Billing
Milestone and retainer billing creates uneven cash flow.
Growth Needs Headcount
Winning bigger clients means hiring before the revenue lands.
Client Payment Delays
A single slow-paying client can squeeze the whole firm.
Built for the Trade
Funding Solutions for Professional Services.
Capital that bridges the gap between work done and invoices paid.
Line of Credit
Cover payroll between billing cycles with a flexible reserve.
Learn moreShort-Term Loans
Fund a hiring push to take on a bigger client.
Learn more$150K
Avg. funding
48hr
Typical funding speed
1,100+
Firms funded
Up to90%
Invoice advance
Where the Money Goes
What Professional Services Operators Fund.
Professional-services capital bridges payroll and the billing cycle.
Common Use Cases
- Payroll between billing cycles
- Factoring client invoices
- Hiring ahead of new contracts
- Software & tooling
- Office & expansion costs
From the Field
What They Say.
We won a retainer with a Fortune 500 client but they pay net-60. Factoring those invoices through Ironclad meant we could staff the account immediately instead of turning it down.
★★★★★
Erin C.Partner, Marketing Agency
Eligibility
Do You Qualify?
If you run a professional services business and meet our simple baseline, you're likely a fit. Checking your options is a soft pull and never affects your credit score.
See If You QualifyThe Baseline to Qualify
- 6+ months in business
- $15,000+ in monthly revenue
- 500+ personal credit score
Get Paid First.
Smooth lumpy invoicing and fund your growth.