Architecture & Engineering financing
The design work is done; the developer pays at milestones.
A/E firms carry months of work-in-progress and licensed-staff payroll before developers and GCs pay on project milestones — with professional-liability premiums due regardless and no equipment base to pledge.
The financing reality
Your money moves on a cycle. So should your capital.
Work-in-progress and receivables gaps around $225,000.
A typical situation, not a quote.
What usually fits
Top financing for architecture & engineering.
Three products that match this industry's cash-flow pattern — with the honest reason for each.
Business Line of Credit
Carry payroll and work-in-progress between milestone payments.
- Approval range
- $10K – $2M
Invoice Factoring
Advance against billed milestones instead of waiting on the GC.
- Advance
- 80% – 95%
Term Loans
Fund a principal buy-in, a key hire, or a new studio.
- Approval range
- $25K – $10M
Professional Services
Related industries
Architecture & Engineering financing
Capital that fits how you actually get paid.
Tell us about your business once. One advisor maps your cash-flow cycle to the right partners — and shows the true cost of every option.