Professional Services
Bridge the gap between net-60 client invoices and weekly payroll — working capital underwritten on client history, contractor instant pay, and E&O coverage on verified revenue.
For services finance teams
Services firms run on the gap between when staff need to be paid and when clients pay invoices. Net-60/90 client terms collide with bi-weekly payroll. Theorem underwrites a working capital line on client-by-client payment history — invoice validity and collection patterns are already in your AR — so the bridge is automatic.
Contractor and subcontractor instant pay runs over RTP rails with 1099 tracking. E&O insurance underwrites on verified revenue. Time-to-bill workflows close the loop from billable hours to invoiced AR to working capital advance.
Value
Three pillars
Built for billable-hour cash flow.
Time-to-bill, AR-backed funding, contractor instant pay — bridging the gap that defines services finance.
AR-Backed Working Capital
Invoice validity and client payment history sit directly in your AR. Working capital lines underwrite on that data — funding scales with billings, not bank statements. Bridge net-60 client cycles without payroll stress.
Contractor Instant Pay
Subcontractor and 1099 worker payments over RTP rails — same-day funds. Onboarding includes KYC, TIN match, and 1099 setup so the year-end is already done. No batch ACH waits.
Coverage on Verified Revenue
E&O underwrites on booked revenue from your AR. Renewals re-quote on updated revenue figures. Certificates of insurance generate on demand — usually for client onboarding, ready before the contract is countersigned.
Agents in action
Professional services finance, end to end.
Agents that turn billable hours into invoiced AR, AR into working capital advances, and contractors into instant-paid partners — with full audit trails on every event.
From hours to bridge to payday
A new invoice triggers AR posting, working capital advance, and contractor payment agents that resolve in parallel — payroll is funded before the client pays.
Underwriting that learns your clients
Every billing cycle, collection, and renewal feeds back into the model. Advance rates per client tighten over time.
Encode billable rates, client payment history, contractor records, and revenue mix into structured signals.
Tune working capital and E&O underwriting to your client mix and project portfolio.
Advance AR, pay contractors, file E&O, and generate COIs with full audit logging.
Each billing cycle and renewal sharpens client-level credit and pricing.
Bridge billable hours to payday.
See how Theorem turns invoiced AR into working capital and contractors into instant-paid partners.