Funding for Professional Services
Project billing is lumpy; payroll is not. Lúmen funds agencies, firms, and consultancies to smooth uneven cash flow, fund key hires, and invest in the tools that let you scale.
What professional services businesses are up against
Lumpy billing
Project milestones and retainers create uneven revenue while salaries and rent stay fixed.
Hiring ahead of revenue
Landing bigger clients often means staffing up before the engagement starts paying.
Slow client payments
Net-30 to net-60 invoices stretch the gap between doing the work and getting paid for it.
Tooling & software
Scaling the firm means investing in software, systems, and workspace ahead of the growth they enable.
Funding solutions for Professional Services
These products fit how professional services businesses actually operate. Explore each in detail.
How we help professional services
Common use cases
- Smooth uneven project and retainer billing
- Fund a key hire ahead of a new engagement
- Factor client invoices for working capital
- Invest in software, systems, and workspace
“Our biggest client pays net-60, which used to wreck our cash flow. A line of credit from Lúmen made the gap a non-issue and we hired two seniors.”
Do you qualify? Most professional services businesses with 6+ months in business, $15,000+ in monthly revenue, and a 500+ credit score can qualify. Checking your offers takes about five minutes and won't affect your credit score.
Fund your professional services business
Tell us your goal and a funding advisor will match you to the right product — usually within minutes. Apply with no impact to your credit score.