# Whole Ledger Funding - Professional Services Firms Apxium’s ‘Whole Ledger Funding’ Lending Strategy specialises in financing the Accounts Receivable and Work-in-Progress (WIP) ledgers of high-creditworthy Accounting and Law Firms in Australia, North America, and the U.K. As discussed in previous sections, Apxium core IP lies in its proprietary Accounts Receivable Automation Software and Smart Payments technology, which delivers the most intelligent Receivables and Payables financing solutions for real-world businesses. This technology has proven to reduce debtor days by up to 50% for mid to large tier Accounting Firms in Australia, U.S., Canada and the U.K., unlocking cash tied in debtors, thereby de-risking the Receivables ledger before lending a single dollar. This has been tested and validated over 8 years of Apxium’s existence through its [Professional Fee Funding Lending Strategy](/how-kasu-works/lending-strategies-explained/professional-fee-funding-accounting-firms.md) to Accounting Firms, which boasts 0% historical loss rate. This success over such a long period of time has now experienced feedback and unmet demand from these clients for an integrated Whole Ledger Funding solution to unlock cash tied up in both WIP and Receivables. This experience has enabled Apxium to achieve significant credibility among some of the largest accounting firms in the world. Moreover, these learning outcomes have resulted in significant intellectual capital with an intricate understanding of Accounting and Law Firms’ operations and risks to design the optimal Whole Ledger Funding Solution. This includes demand from Law Firms, who experience such working capital problems to a greater extent than Accounting Firms. Given the lack of innovation and technology offered by competitors, they are yet to develop a data integrated solution with Practice Management systems used by Accounting and Law Firms that can track monthly WIP and real-time Receivables, and therefore adequately manage risk. This has unlocked a significant market opportunity for Apxium. --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://docs.kasu.finance/how-kasu-works/lending-strategies-explained/whole-ledger-funding-professional-services-firms.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.