Lead with the pinch, not the sector.
Agencies, staffing, IT services, cleaning and facilities, landscaping, logistics brokers, consultancies. Every service business is different, so we start with the specific problem rather than the industry label.
How the money
actually moves.
Margins across services vary more than in any other vertical, so no sector assumption is safe. What is consistent is the shape of the pinch: payroll across a slow month, a hire ahead of the revenue it produces, or a receivable stuck at sixty days.
Sizing follows the pinch. A receivable bridge is sized to the receivable. A payroll bridge is sized to the payroll. A growth hire is sized to the revenue it is expected to produce, with an early payoff once it does.
Three things it is
usually for.
A receivable stuck at sixty days
Bridge sized to the invoice, retired when the client pays.
Payroll through a slow month
A short structure sized to the gap, not to the whole year.
A hire ahead of the revenue
Fund the first quarter of a new role that brings in its own book.
What your underwriter
reads first.
Specific to services files. The general read, six things every file gets, is on the how it works page.
- 01Client concentration is read carefully: one client that is most of the revenue changes the picture.
- 02Contract and retainer income reads as steady revenue.
- 03Transfers between your own accounts are not revenue; we separate them out.
What a workable
services file looks like.
These are shapes, not gates. The funder sets the floor, and we place the file where it fits or tell you plainly if it does not.
- 6+ months in business
- Revenue through a business bank account
- Any credit profile
Asked by
services owners.
Most service businesses are. Send statements and your underwriter will tell you plainly.
It is a normal shape. A receivable bridge is built for it.
Some funding partners work with sole proprietors and some do not. Send statements and we will place the file where it fits, or tell you if it does not.