Business Financing for Professional Services Firms
Invoice factoring, lines of credit, and growth capital for firms that need to hire ahead of revenue and wait 60 days or more to get paid.
The daily grind that steals your time
These frustrations aren't just annoying—they're costing you money, clients, and peace of mind.
You hire ahead of revenue
Landing a new client means onboarding new staff before the first invoice goes out. You're fronting $50K–$100K in salary before any revenue arrives.
Net-60 client payments slow everything down
You delivered the work, sent the invoice, and now you wait. Two months of payroll, rent, and expenses pile up before the check clears.
Office expansion requires upfront capital
Growing team means more space. Lease deposits, build-out costs, furniture — you need capital before the expanded team generates revenue.
Technology investments can't wait
New project management platforms, cybersecurity upgrades, specialized software — staying competitive requires ongoing technology investment.
What if you could eliminate all of this?
Real work, not just conversation
Breakwater doesn't just match you with lenders—we guide the entire process. Here's how we help your business.
Invoice Factoring
Turn outstanding client invoices into immediate cash. Get 85–95% of invoice value upfront instead of waiting 30–60 days for payment.
Lines of Credit
Revolving credit facilities you can draw on for payroll, overhead, or growth initiatives. Pay interest only on what you use.
SBA Loans
SBA 7(a) loans with competitive rates and long repayment terms. Ideal for established firms planning significant expansion.
Office Expansion Loans
Finance new office space, renovations, and build-outs. Terms structured around the timeline of your growth.
Technology Financing
Finance software, hardware, and IT infrastructure. Spread the cost of technology investments over time.
Working Capital
Bridge the gap between delivering services and getting paid. Cover operational costs without disrupting client work.
Custom capabilities can be configured for your specific workflow
“We landed a major contract but needed to hire 8 people before the first invoice. Breakwater set up invoice factoring that let us staff up immediately. We delivered on time and the client renewed for a second year.”
— Managing Partner, Consulting Firm
Chicago, IL
Ready to transform your professional services?
Book a free consultation. We'll assess your financing needs, show you your best options, and give you a clear path forward.
15-minute call · No commitment · See exactly what's possible