Professional Services
Grow your practice with confidence.
Fast funding for professional services businesses in Florida. Apply in 60 seconds.
Why Professional Services Businesses Need Funding
The real challenges professional services owners face
Office Space and Expansion Costs
Moving to a larger office, signing a new lease, or fitting out a new suite requires capital up front that revenue hasn't yet caught up to.
Hiring Qualified Professionals
Billing rate depends on staff quality. Hiring an experienced attorney, accountant, or consultant is expensive — and the revenue they generate takes 60–90 days to arrive.
Technology and Practice Management
CRM software, billing platforms, compliance tools, and cybersecurity infrastructure are non-negotiable and non-cheap investments for professional practices.
Client Acquisition and Marketing
Referrals take years to build. Paid advertising, sponsorships, and networking investments build the pipeline faster — but require capital before conversion.
Luma Funding Options for Professional Services
The right product for the right moment
Business Loans
$10K–$500K
Fixed-term capital for office build-outs, technology purchases, and strategic hiring.
Learn More →Line of Credit
$5K–$200K
On-demand working capital for slow periods, marketing spend, and payroll coverage.
Learn More →We needed to hire two associates before our largest engagement started billing. Luma's business loan bridged the payroll gap for 90 days until the invoices caught up.
Patricia H.
Law Firm
Tampa, FL
$90K business loanaverage receivables cycle in professional services
average office fit-out cost per employee
average Luma funding time
FAQ
Questions about funding your professional services business
Yes. Professional service firms with consistent monthly billing qualify. We evaluate monthly deposits, not billable hour rates.
Yes. Individual practitioners operating as a sole proprietorship or single-member LLC with 6+ months of consistent revenue qualify.
Acquisition of a practice's client list or goodwill is a legitimate business use for a term loan. Discuss the transaction structure with your Luma advisor.
Yes. Marketing agencies, IT consultancies, staffing firms, and other non-licensed professional services qualify using the same revenue and time-in-business requirements.
Consistency matters more than size. A firm billing $12K/month for 3+ years qualifies for products sized to their revenue. We do not penalize steady, sustainable businesses.
Get funded for your professional services business
Florida's fastest funding for professional services owners. Apply in 60 seconds.