Typical funding range
$10,000 – $300,000 — that's the band most professional services in Georgia fall into. Deals smaller than $10K are uncommon (the math rarely works for the funder). Deals over $250K typically require stronger profiles or collateral.
What funders look for
- 12+ months operating typical floor
- $15K+/mo revenue typical minimum
- Atlanta-metro firms often qualify for larger deals due to higher revenue averages
- AR concentration is a key risk factor in underwriting
What to bring to the application
The faster you can ship these to a funder, the faster you close. Most underwriting decisions for professional services in Georgia happen in 2–4 hours once docs are complete.
- Last 3–6 months business bank statements
- Recent AR aging report (B2B services)
- Voided business check
- Driver's license for the majority owner
The math
A typical professional services deal in Georgia lands at a factor rate between 1.25 and 1.42. On a $50,000 advance at 1.32, you'd repay $66,000 over 9–12 months — about $260–$305/day in ACH. Our factor rate calculator lets you plug in your own numbers.
Frequently asked questions
- Can an Atlanta consultancy with $20K MRR qualify?
- Yes — $20K/mo is solidly within the A/B-paper box for most service-firm funders. Expect factor rates of 1.28–1.38 and deal sizes up to $25K–$35K.
- Does Georgia have a state commercial financing disclosure law?
- Georgia has begun phasing in disclosure requirements. Reputable funders already provide APR-equivalent on request. If yours won't, ask why.
- How long does service-firm underwriting typically take?
- If you have clean bank statements and an AR aging report ready, underwriting can finish within 4–24 hours. Service-firm files are usually simpler to underwrite than restaurant or retail because the revenue is concentrated in fewer, larger deposits.