You already trust Apxium and Tax Pay to take the friction out of getting paid, improve cash flow, streamline process and access to capital to service tax debt. Now we're extending that partnership further, helping you access the unsecured capital your firm needs to grow. Meet Firm Funding, APX Capital's unsecured lending solution built specifically for accounting and legal firms.
A lending market that no longer fits how firms grow
The way firms fund growth has changed. As practices invest in talent, technology and new advisory services, demand for fast, flexible working capital has never been higher. Yet traditional bank funding hasn't kept pace. It's still slow, restrictive and heavy on collateral, which makes it a poor fit for the short-term, opportunity-driven needs of a modern professional services firm. When the moment to hire, expand or invest arrives, weeks of paperwork and reduced borrowing capacity are the last things you need. Firm Funding was built to close that gap.
What is Firm Funding
Firm Funding is a light-touch, unsecured loan facility that turns the work you've already done into working capital you can use now. You can access up to 60% of your eligible work-in-progress and an immediate 100% advance on eligible invoices, so you're funded for the work you're yet to be paid for. Approved funds can be in your account inside 48 hours of application, with seamless daily transfers to your nominated account after that. And because it's unsecured, it sits alongside your existing facilities without touching them.
Reducing funding pressure for firms
For most firms, cash flow is the constraint that quietly caps growth. When revenue fluctuates, it's harder to seize opportunities, hire ahead of demand, or invest in the tools that set your firm apart. Existing finance is often the wrong instrument for the job. It's slow to arrange, administratively heavy, and it eats into the borrowing capacity you'd rather keep for bigger moves. Firm Funding takes that pressure off, giving you liquidity on demand without the collateral, the paperwork or the wait.
Built around your control
What sets Firm Funding apart is control. In the spirit of its tagline, "Choose How You Use," you decide how the capital works for your firm, whether you're smoothing cash flow, funding a key hire, backing a marketing push, or investing in new technology. You draw down only what you need, when you need it. There's zero impact to your existing loans, no collateral required, and no administrative burden slowing you down.
It's also built the way you'd expect from a partner you already work with. Our award-winning tech team created it with ease of use front of mind, and it integrates seamlessly with the Apxium tools you rely on every day. That means the same digital-first simplicity you already trust, now applied to a corner of the lending market that's been waiting for it.
Who it's for
Firm Funding is built for growing accounting and legal firms, and for the partners, practice managers and finance leaders who balance day-to-day operations with the ambition to scale. If your firm is ready to move faster than traditional funding allows, capture opportunities as they come, and grow on your own terms, it's built for you.
Ready when you are
As an existing Apxium and Tax Pay customer, you're already set up to make the most of it. Firm Funding is the natural next step in the same relationship, the same platform that helps you get paid, now helping you fund what comes next.
Explore Firm Funding or reach out to your Apxium contact to see how much working capital your firm could unlock.