Funding for IT Services & MSPs

Cover a client hardware rollout, make payroll, and bridge the gap while net-30/60 invoices sit unpaid — approved on your deposits, not your credit score.

The MSP cash-flow squeeze is real

If you run an IT services shop or a managed service provider, you already know the pattern. Recurring monthly revenue looks steady on paper, but the money moves at the wrong time. You buy hardware and licenses up front, you pay engineers every two weeks, and your clients pay you on net-30 or net-60 — sometimes later. The bigger the client, the slower the check and the longer the terms.

That timing gap is where good MSPs stall out. You win a rollout, then have to float thousands in equipment and labor before the first invoice clears. A slow-paying client shouldn't force you to turn down the next project — but without cash on hand, that's exactly what happens.

A real dollar example

Say you land a 40-seat workstation and firewall refresh for a new client. The hardware and licensing run about $48,000, and you'll bill it over two invoices on net-60 terms. You need the gear now, your distributor wants payment on delivery, and your techs need to get paid on the 15th regardless of when the client pays.

You take $60,000 in working capital. It covers the hardware order, the labor to deploy it, and a cushion so payroll never wobbles. When the client's net-60 invoices land, you pay the advance down from money you were always going to collect. You kept the project, you kept your team, and you didn't drain your operating account to do it.

Why deposits beat credit score for IT businesses

Plenty of profitable MSPs get turned down by banks because the owner's personal FICO isn't perfect or the business is only a couple years old. We look at a different signal: the deposits flowing through your business bank account. Steady monthly recurring revenue and client payments tell us more about whether you can handle funding than a credit report does.

• Approved on your bank deposits, not your credit score
• FICO 500+ is fine — checking eligibility is a soft pull that won't ding your credit
• No collateral required for working capital
• $10,000 to $5,000,000, sized to the job in front of you
• Funded in as little as 24 hours once you're approved

How fast you actually get funded

Here's the honest version. Send us your recent bank statements and get your signed offer back before early afternoon Eastern on a weekday, and funding can land the same day. Later in the day, it typically funds the next business day. Send it Friday, and it usually funds Monday. No hype — that's the real timeline.

Straight answers

Can I use the funds to buy client hardware and licenses?

Yes. Working capital has no restrictions on how you spend it — hardware, per-seat licenses, cloud costs, payroll, subcontractors, or anything else the business needs.

My clients pay net-30 and net-60. Does that matter?

It's exactly what this is built for. You get cash now to cover the work, then pay the advance down as those invoices come in.

What's the minimum I can get?

The minimum is $10,000, and it scales up to $5,000,000 depending on your monthly deposits and the project you're funding.

My personal credit isn't great. Am I out?

Not at all. We approve on business deposits, and FICO 500+ is workable. Checking your eligibility is a soft pull, so it won't affect your credit.

How long does it take to know if I qualify?

Applying takes a few minutes. Once we see a couple of recent bank statements, you'll have an answer quickly — and if you're approved and signed before early afternoon ET on a weekday, funding can hit the same day.