Receivables financing for IT and professional services

IT and professional services financing advances working capital against invoices you’ve billed to enterprise and government clients — so payroll and project costs aren’t waiting on slow corporate payment cycles. BuildUp Capital provides it as a receivables-backed line of credit, underwriting the strength of your clients. It fits IT services, consulting, engineering, and agency firms with creditworthy customers. Available nationwide.

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Services firms sell time and expertise, and they pay for it long before clients do. Salaries, contractors, and project costs are due on a payroll calendar; enterprise and government clients pay on net-30, net-60, or longer. A consultancy or IT services firm winning bigger engagements can grow straight into a cash crunch.

We finance the receivables your billed engagements generate, secured by what creditworthy enterprise and government clients owe you. That turns invoiced work into working capital now, so payroll and projects stay funded while the client’s payment cycle runs.

How it works

From unpaid invoice to working capital

Bring your client invoices

Tell us who you bill — enterprise or government clients — and what’s outstanding on billed engagements.

We underwrite your clients

We focus on the creditworthiness of the clients behind your invoices and the quality of your billing, not just your own balance sheet.

Draw and repay as clients pay

Advance against eligible receivables as you invoice, and repay as clients pay. The line scales with your billings.

Services firms we finance

  • IT services and managed-service providers
  • IT and technical staffing
  • Management and specialty consulting
  • Engineering and design firms
  • Marketing, creative, and media agencies
  • Professional firms billing enterprise or government clients

Common questions

Questions about it & professional services financing

What professional-services receivables can be financed?
Invoices for billed engagements owed by large, creditworthy enterprise and government clients on standard terms. The strength of who owes you is central to underwriting.
Can it cover payroll between client payments?
Yes. Advancing against billed invoices keeps salaries, contractors, and project costs funded while you wait on net-30 to net-90 client terms.
Does it work for IT staffing specifically?
Yes — IT and technical staffing is a strong fit, the same way payroll funding works for staffing agencies: you advance against client invoices to meet payroll.
Factoring or a line of credit?
A receivables-backed line of credit — you borrow against your invoices and keep client relationships, rather than selling the invoices.
Do I need real estate?
No — the line is secured by your receivables. If you own property, we can lend against real estate separately.

How we structure it

Receivables programs behind this

Payroll financingPayroll financing that turns unpaid client invoices into cash to make payroll on time.Learn more →Government-receivables financingFinancing against receivables owed by federal, state, and local government agencies.Learn more →Invoice factoringAn alternative to traditional invoice factoring: a receivables-backed line of credit that turns unpaid B2B invoices into working capital while you keep your.Learn more →

Other industries we finance

All receivables financing →

Stop waiting on net-60 to fund your business.

Tell us who owes you. If your receivables are owed by large, creditworthy companies or government agencies, you’ll know quickly — and a real person typically responds within 24 hours.

Get working capital →Give us a call