From winning new clients to delivering complex projects, our flexible funding solutions keep your cash flow strong, your people supported, and your ambitions advancing, no matter how fast your business evolves.
Professional service firms thrive on expertise and relationships but managing cash flow can be challenging when payments depend on milestones, retainers, or lengthy approval processes. Even highly profitable companies can feel the strain when invoices remain unpaid.
That’s where we step in. Our funding solutions are built around how professional services operate — flexible, project-driven, and people-centred. We help bridge the gap between project delivery and client payment so you can manage payroll, hire talent, and invest in growth without cash flow interruptions. With adaptable facilities that scale alongside turnover and transparent pricing, you’ll have the liquidity to run efficiently and respond quickly to new opportunities.
In the fast-moving world of professional services, project demands can change overnight and your access to funding should keep pace. Our financing solutions are designed to help you manage cash flow between billing cycles, cover operational costs, and take on new clients or projects without losing momentum.
Need help figuring out which solutions are best for your professional services firm?
Our experts are here to make funding simple, clear and stress free.
With more than two decades of experience, we provide more than finance—we deliver agility, reliability, and funding solutions designed for the pace of professional services. From managing long client payment terms to supporting expansion and new project wins, our tailored facilities give you the working capital and confidence to keep teams productive, clients satisfied, and your business moving forward.
Focus on clients, not cash flow. Our financing helps you invest in talent, tools, and time to keep your business performing at its best.
Manage long billing cycles with funding that maintains steady cash flow for payroll, operations, and supplier payments.
Access funding to hire top talent and adopt new technologies that drive efficiency, performance, and growth.
Stay adaptable with funding that grows alongside your firm, giving you liquidity to manage costs and seize opportunities.
Expand services, take on larger contracts, or enter new markets with funding that supports sustainable growth.
Work with a team that knows your industry and delivers bespoke funding aligned with your operations and goals.
A growing consultancy secures several large contracts with corporate clients, requiring rapid team expansion and increased project resources.
Client payment terms averages 60–90 days, but payroll, subcontractor fees, and technology subscriptions require immediate payment. The firm risks cash flow strain during its busiest growth period.
eCapital provides an invoice finance facility that advances funds against approved client invoices. This releases immediate cash to cover staffing and operating costs, allowing the firm to scale delivery without disrupting project timelines or client relationships.
A marketing agency relies on several enterprise clients that often delays payments beyond agreed terms, creating inconsistent cash flow and operational uncertainty.
Unpredictable payment timing makes it difficult to meet regular payroll, manage creative project costs, and commit to new client work.
eCapital structures a confidential invoice discounting facility, providing ongoing liquidity tied to invoice value. The agency gains reliable cash flow, allowing them to manage payroll, take on new campaigns, and negotiate supplier discounts with confidence.
A CAD firm wants to upgrade its design software and implement new project management systems to enhance efficiency and client service.
The upfront cost of licensing and implementation strains the firm’s budget, especially while waiting for client invoices to clear.
eCapital deliveres a flexible funding solution using outstanding receivables as collateral. This frees up funding to invest in new technology without interrupting cash flow or delaying ongoing projects. The upgrades improve productivity and position the firm for future growth.
A consultancy firm aims to acquire a smaller practice to expand its client base and service offering.
Traditional lenders are slow to respond, and the firm needs fast access to working capital to complete the deal within a narrow closing window.
eCapital structures a robust alternative lending facility secured by the firm’s receivables, providing immediate access to the required funds. The acquisition is completed on schedule, strengthening the firm’s market position and creating new revenue streams.
Clients choose eCapital when they need an engaged, solutions-oriented, long-term credit partner with proven capacity, creativity, and continuity. Our expertise lies in bespoke funding — from small and mid-market facilities to large, complex solutions — delivered with meticulous, hands-on strategies that adapt to meet the unique needs of UK businesses.
Our regional experts are agile and client-focused, supported by the resources to handle complex challenges. We’re a reliable credit partner through every business cycle — flexible, patient, and proven. Our track record speaks for itself.
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Professional service firms across sectors such as consultants, advisors, recruiters, IT service providers, and creative agencies can all benefit from invoice finance. These businesses often face a significant cash flow gap between completing work and receiving client payment, with terms that can stretch to 30, 60, or even 90 days.
Invoice finance bridges that gap by releasing up to 90% of the invoice value within 24–48 hours, providing immediate access to cash tied up in receivables. This allows companies to cover payroll, supplier costs, and project expenses without waiting for invoices to clear.
The flexibility of this funding means businesses can grow at their own pace. As turnover increases, the funding line expands, giving companies the liquidity to take on larger projects, hire additional staff, or invest in technology. Unlike loans, invoice finance doesn’t add long-term debt, it simply accelerates cash flow based on sales already made.
For professional service providers who rely on steady cash flow to deliver client work, invoice finance offers an efficient way to maintain stability, manage growth, and strengthen financial control.
Invoice finance differs from a loan in both structure and flexibility. A traditional loan provides a fixed lump sum that must be repaid over time with interest, regardless of business performance. Invoice finance, however, provides an ongoing line of credit that grows in line with your sales.
Instead of relying on collateral or personal guarantees, funding is secured against your unpaid invoices. Once your business issues an invoice to a creditworthy customer, that receivable becomes a liquid asset that can be converted into immediate cash. When the client pays, the advance is automatically repaid, making it a self-liquidating form of finance.
This makes invoice finance particularly useful for professional service firms where billing cycles vary. You can access cash as needed, pay only for what you use, and avoid long-term debt obligations.
Additionally, invoice finance facilities can be confidential, allowing you to retain control of your client relationships. In short, while a loan adds liability to your balance sheet, invoice finance simply unlocks value from work you’ve already completed, turning outstanding invoices into a reliable source of working capital.
Cash flow is one of the most common challenges for professional service firms, particularly when clients take weeks or months to pay. Invoice finance improves liquidity by providing fast access to cash as soon as invoices are issued.
Instead of waiting for clients to pay, eCapital advances a large portion, typically up to 90%, of the invoice value within 24–48 hours. This ensures that your business can meet payroll, pay subcontractors, invest in marketing, or fund growth opportunities without delay.
The balance of the invoice is paid once the client settles, minus a small fee. Because this funding grows in line with sales, you always have access to cash proportional to your business activity. This dynamic funding structure means professional service firms can maintain operational momentum, even when client payments lag behind project delivery.
Improved cash flow also gives companies greater negotiating power with suppliers and the confidence to take on larger clients or more complex contracts knowing that funding is available when needed.
Yes. Growth often requires investment, whether in people, technology, or new client relationships, but delayed client payments can hold back even the most successful companies. Invoice finance provides the liquidity to reinvest in your business without taking on debt.
With fast access to working capital, companies can hire additional staff, expand into new service lines, or pursue larger contracts without worrying about cash flow timing. Because funding is directly linked to invoicing, it automatically grows as your client base and turnover expand.
For example, a marketing agency may need to scale quickly after winning new campaigns. Rather than waiting 60 days for invoices to clear, invoice finance can release cash immediately to fund payroll, media spend, or production costs.
This flexibility allows you to take on new opportunities confidently, maintain a healthy balance sheet, and strengthen client relationships by ensuring seamless project delivery. In short, invoice finance fuels growth by converting locked-up receivables into working capital that powers progress.
Bad debt protection safeguards your business against the financial risk of customer insolvency or non-payment. For professional services companies that depend heavily on a small number of large clients, a single unpaid invoice can create significant strain.
With bad debt protection from eCapital, approved debtors are insured against the risk of default. If a client becomes insolvent or fails to pay within agreed terms, your business remains protected for the insured amount—preserving your cash flow and profitability.
This service is particularly valuable for companies working on large contracts or long-term projects where exposure to individual clients is high. It also provides peace of mind when taking on new customers or expanding into unfamiliar sectors.
Combined with invoice finance, bad debt protection allows you to unlock cash confidently, knowing your receivables are secure. It’s a simple, proactive way to safeguard your balance sheet and maintain stability, even in uncertain markets.
eCapital combines deep industry expertise with a hands-on approach to funding. With more than two decades of experience supporting UK businesses, we understand the unique cash flow challenges faced by professional services firms.
We don’t offer one-size-fits-all facilities; we build bespoke funding structures that align with your client payment cycles, operational model, and growth goals. Whether you need straightforward invoice finance, confidential discounting, or bad debt protection, our facilities scale alongside your business.
Our focus is on partnership. We work collaboratively with your finance team, offering guidance, transparency, and proactive support at every stage. Clients also benefit from our international reach—with offices across the UK, US, and Canada—providing global insight and stability.
Choosing eCapital means choosing a finance partner committed to your success: fast funding, flexible terms, and a team that understands how your business really operates.
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