Working capital for agencies, firms, and service businesses.
Marketing agencies, accounting firms, law practices, IT services, consulting, staffing — we help review funding for the service businesses that bill 30, 60, or 90 days out and need capital to bridge the gap or fund growth.
Quick answer
MerchantRunway helps professional services review working capital and short-term funding options based on revenue, timing, documents, and repayment capacity.
No obligation. MerchantRunway is operated by MerchantRunway.com. MerchantRunway is not a direct lender. We may connect applicants with third-party funding providers. Approval, terms, rates, and funding amounts are not guaranteed.
Typical funding range
Funding amounts vary by revenue, time in business, existing obligations, and provider review.
Funding timeline
Some files can move quickly after documents are complete, but approval and funding timing are not guaranteed.
Who this is for
Established businesses with active revenue, a business bank account, and a specific use of funds.
Typical funding uses
Bridge receivables
Cover payroll and operating costs while you wait on client invoices.
Hire ahead of revenue
Fund the first 60–90 days of a new hire before they're billable.
Software, tools, & expansion
Invest in the tooling and systems that scale your service delivery.
How approval is evaluated
- Service businesses with strong receivables may be a fit for some funding providers.
- Both 1099 and W-2 firm structures may be reviewed by providers.
- Credit profile is one input; receivables, recurring revenue, and existing obligations shape available options.
Documents usually needed
- • Business bank account
- • Recent bank statements
- • Clear use of funds
- • Owner contact information
- • Existing obligations disclosed
Check funding options for your business
Start with a short intake. We review your revenue pattern, business model, timing, and requested use of funds before discussing available capital paths.
Common questions
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Ready to explore your funding options?
Get a clearer understanding of what providers may look for, what documents may be needed, and which funding options may fit your business.