Typical funding range
$15,000 – $400,000 — that's the band most professional services in Texas 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 preferred
- $15K+/mo revenue typical floor; $25K+/mo unlocks better terms
- AR concentration matters — single-client >50% of revenue is a yellow flag
- Texas 2026 disclosure law applies to sales-based financing
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 Texas 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 Texas 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
- Should a Texas law firm consider an MCA?
- Rarely. Law firms with predictable retainer revenue do better with a fintech LOC. For firms with lumpy contingency-based revenue, an MCA may bridge gaps — but expect a higher factor rate due to the revenue volatility.
- How does Texas's 2026 disclosure law affect service-firm MCAs?
- Funders licensed in Texas in 2026 must provide standardized disclosures including APR-equivalent. The approval bar didn't change; the paperwork did. Read it carefully.
- Is energy-services AR factorable?
- Often yes — large oil & gas operators are creditworthy counterparties. Specialty energy factors price tighter than generalist MCAs. We route energy-services leads to factoring when the AR profile fits.