I have no collateral. Is that a problem?

It's normal for services firms. These files fund on cash flow and a personal guarantee.

Should I factor my invoices instead?

Sometimes, especially in staffing. If factoring is cheaper for your DSO, we'll tell you so even though we're not paid on it.

Can I borrow to hire?

Yes, when the engagement is signed. Hiring against a pipeline is a different, riskier conversation and we'll have it honestly.

What if my problem is collections?

Then borrowing adds a payment to an unsolved problem. Sometimes the honest answer is that you don't need capital.

Industry

Professional Services

Your cost is payroll and it's due every two weeks. Your revenue is invoices on 30- or 60-day terms with no hard assets behind them. Growth makes it worse — every new engagement means more payroll before more cash. This is the cleanest receivable-gap problem in small business and there are good tools for it.

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What we fund here

Payroll bridge against billed work: $25K – $250K
Hiring ahead of a signed engagement: $25K – $150K
Software, systems, or office buildout: $10K – $100K
Tax bill or partner distribution timing: $25K – $150K

Ranges are typical, not guaranteed. Your terms depend on your business and the funder.

What usually fits

Flex Line of Credit

Payroll gaps repeat every cycle — a line is the right shape, not a lump sum.

$10,000 – $250,000

Business Line of Credit

If the books are clean, conventional revolving money is far cheaper.

$50,000 – $1,000,000

Working Capital

For a defined one-time gap with a dated collection behind it.

$10,000 – $500,000

What underwriters look at

Client concentration and contract length.
Days sales outstanding — how long your invoices actually take to pay, not your stated terms.
Recurring versus project revenue mix.
Absence of hard collateral, which pushes the file toward cash-flow structures.

Questions

I have no collateral. Is that a problem?: It's normal for services firms. These files fund on cash flow and a personal guarantee.
Should I factor my invoices instead?: Sometimes, especially in staffing. If factoring is cheaper for your DSO, we'll tell you so even though we're not paid on it.
Can I borrow to hire?: Yes, when the engagement is signed. Hiring against a pipeline is a different, riskier conversation and we'll have it honestly.
What if my problem is collections?: Then borrowing adds a payment to an unsolved problem. Sometimes the honest answer is that you don't need capital.

Let's see what your numbers support.

Three documents to start: the last four months of business bank statements, a driver's license, and a voided check. That's the whole file to get options back.

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FundMainStreet.com is a financing arranger, not a lender or a bank. We connect business owners with third-party funding partners and are compensated by those partners when a transaction closes; we disclose that compensation to you before you sign. Approval, terms, and funding are determined solely by the funding partner. Merchant cash advances are purchases of future receivables, not loans. All figures shown on this site are illustrative and are not an offer or commitment to fund.