Capital for law firms, accounting practices, consulting firms, marketing agencies, and architecture/engineering firms.
$2T U.S. professional services market — 60-day client payment terms are standard
It's the 24th. Quarterly billing went out — $480K. Collections are at $168K. Payroll is the 30th, $185K. You're personally guaranteeing the firm's lease, the equipment lease, and the credit card. You're considering tapping your home equity for the third time this year just to make payroll. Again.
A $500K firm credit line means the 30th is just another date. Payroll runs. The senior partner doesn't get the call. Three weeks later, $312K in collections clears, the line auto-pays. You stop personally guaranteeing every line of credit and you can finally focus on actually growing the firm.
If 2+ of these sound familiar, you don't have an operations problem — you have a capital problem.
Firm just billed $480K for last quarter. AR aging shows $312K outstanding 60+ days. Payroll is $185K. The math doesn't work without a credit line.
You'd land the $1.2M client if you had the senior associate and 2 paralegals already on staff. You can't justify the hires until the revenue lands. Catch-22.
Expert witnesses, depositions, e-discovery, travel — $90K+ on a contingent matter that won't pay until trial or settlement, 14 months out.
Senior partner is retiring. Buy-in is $850K. You either find the capital or the firm sells to a national consolidator.
Modern case management, AI research, automation — $120K+ to deploy and train. Falling behind = losing clients to firms that did invest.
This is what professional services owners do with Pincutt funding — and what you'd do too.
Lines of credit aligned to your AR — draw when payroll runs, pay down when client checks land.
Working capital to bring on the senior associate, the new partner, the BD director — and recoup it from the revenue they generate.
Expert witnesses, deposition costs, e-discovery, travel — capital to take the cases that actually pay big at the end.
SBA 7(a) for practice acquisitions up to $5M with 10-year terms.
Case management, research automation, marketing tech — fund the upgrade your firm needs to compete.