Fast Capital for Business Services Firms
Working capital, hiring, technology, and growth funding — term sheets in 48 hours, funding in 4–5 business days.
Built for professional services firms that move fast.
We understand service-based cash flow
Professional and business services firms face unique capital timing challenges. We underwrite the realities of your model, not a banker's checklist.
Payroll for growth
Hiring ahead of revenue strains cash flow. New talent, contractors, and project teams need to be paid before client invoices clear.
Technology upgrades
Platform migrations, AI tooling, and software investments are essential — but payback periods can outpace traditional lender patience.
Client acquisition costs
Marketing, sales cycles, and onboarding expenses hit before contracts convert to reliable recurring revenue.
Cash flow gaps between projects
Net-30, net-60, and milestone-based billing create lags that payroll and overhead cannot wait for.
Expansion into new markets
New geographies, service lines, or verticals require upfront capital — and slow funding kills first-mover advantage.
Working capital pressure
Strong P&L, tight balance sheet. Banks see service businesses as light collateral and move cautiously exactly when speed matters.
Why Business Services Companies Choose Ironclad
Capital structured around fee-based revenue
Deep underwriting expertise in recurring revenue, project pipelines, professional services margins, and intangible-asset growth.
Speed that matches your sales cycle
Term sheets in 48 hours, funding in 4–5 business days. Hire, upgrade, and expand without waiting on a credit committee.
We underwrite service economics
Recurring revenue, client concentration, project pipelines, and margin quality — not just fixed assets and tax returns.
Flexible capital structures
Working capital lines, growth capital, acquisition facilities, and technology investment loans tailored to fee-based cash flow.
Certainty of close
When we issue a term sheet, we close. No surprises when a hire start date, vendor payment, or expansion deadline is fixed.
How It Works
From application to funding in days, not months
Quick application
Share financials, client mix, and capital needs in under 15 minutes. We understand service-based business models.
Term sheet in 48 hours
Our credit team underwrites recurring revenue, margins, and pipeline — then returns a clear, transparent term sheet.
Diligence & docs
We run parallel diligence on contracts, AR, and financials so nothing stalls before your deadline.
Funded in 4–5 days
Wire hits your account. You make payroll, close the acquisition, or launch the expansion while competitors wait.
Real Results
Capital deployed for service firms
Working capital facility closed in 7 business days, covering payroll growth and a platform migration ahead of a major client renewal.
Growth capital for two new market expansions and senior hires, replacing a bank process that would have taken 90+ days.
Acquisition financing for a complementary agency, enabling the client to win the deal against a strategic buyer with deeper pockets.
Qualification Criteria
Straightforward, transparent fit
We tell you upfront whether your business qualifies — no months of back-and-forth before a decision.
- 2+ years in business
- EBITDA positive
- Annual revenue $1M+
- Funding range: $100K – $15M
- Service-based or professional services model
- US-based operating company
Get your business services term sheet in 48 hours
Tell us about your services firm, growth plans, and capital needs. We'll underwrite quickly, structure intelligently, and close with certainty.