Professional services financing
Client payment plans that turn consults into clients.
Retainers and project fees are often all that stands between a good consultation and a signed engagement. Offer monthly payments your clients can fit into their budget, and get paid upfront or keep the financing income.
Application · Example
Flat-fee engagement- ApplicantCredit score 6901 application
- Waterfall17 BNPL & consumer lenders, then Everyone Is ApprovedApproved
- Term12 months · 0% promotional planExample
Illustration. Real offers depend on the lender or program and the application.
The problem
Why clients hesitate to sign.
Large upfront retainers
Clients who need your help may not have the full retainer available today.
Unpaid invoices
Informal billing arrangements turn into receivables your team has to chase.
Discounting to close
Without a payment option, the easiest lever is a lower fee.
How client financing works
One application. Every lender. Every applicant.
Share it after the consult
Send the application link with your engagement letter or proposal.
One application
The waterfall checks 17 BNPL and consumer lenders, then Everyone Is Approved programs and your LMPP plans.
Start the work
The client picks a monthly payment and e-signs. You're paid upfront by the lender, or weekly through LMPP.
17 BNPL & consumer lenders
Prime, near-prime and second-look lenders, checked in order.
Everyone Is Approved programs
Catch applicants the lenders above decline.
Your own payment plans (LMPP)
Your terms and rates, anywhere in the waterfall.
Lender Managed Payment Plan
Replace receivables with a payment plan portfolio
Instead of carrying unpaid invoices, offer structured payment plans through LMPP. You set terms, 0% promotions and interest rates by credit tier, Client Financing handles agreements, billing and collections, and you keep 90% of what's collected.
No merchant fee. Client Financing keeps 10% of what's collected.
Built for
Who we work with
- Law firms and legal services
- Tax and accounting services
- Business consulting
- Marketing and creative agencies
- Immigration and document services
- Other expert services
FAQ
Professional Services financing questions
Can clients finance a retainer or flat fee?
Yes. Clients apply once and choose a monthly payment for your retainer, flat fee or project.
Do I get paid upfront?
When a lender approves your client, you're paid upfront. On LMPP, you're paid weekly as the client pays.
Can I offer 0% payment plans to clients?
Yes. On LMPP you can offer 0% plans and same-as-cash promotions.
Is financing available for all professional services?
Many professional services qualify. Talk to our team about your business, and we'll set up the right programs and lenders.
Other industries
Get started
Offer financing your customers can say yes to.
Takes about a minute. A real person on our team will call you within one business day.
- 17 BNPL & consumer lenders, plus Everyone Is Approved programs
- Optional LMPP plans you control
- No long-term contract, no minimum volume
Received
You're on the list.
Someone from our team will call you within one business day. Keep an eye out for a call or text from Client Financing.