Access expert guidance on acquisition loans, working capital, and expansion financing tailored specifically for your accounting practice in 2026.
Check your rate →We specialize in connecting US-based accounting firm owners with the capital necessary to fuel growth. Whether you are a solo practitioner looking to scale or an established firm planning a merger, we help you understand your borrowing power. If you have been in business for at least two years and maintain consistent annual revenue, you likely qualify for competitive financing. Use the calculator below or review our guides to determine which loan structure matches your firm's specific financial health and expansion goals for 2026.
Acquiring another practice is the fastest way to increase your firm’s valuation and client base. However, standard bank lending criteria often fail to account for the unique recurring revenue models found in accounting. We focus on lenders who understand the specific mechanics of CPA practice buyout loans, including how to structure deals that leverage your existing client list as collateral. From SBA loans to specialized term loans designed for professional service firms, we break down the debt service coverage requirements you will need to meet before approaching a lender.
Managing cash flow during tax season or investing in the latest cloud-based accounting software often requires immediate liquidity. Beyond traditional term loans, many firm owners utilize flexible credit lines for CPA firms to smooth out seasonal revenue fluctuations or cover payroll during staff expansion. By securing the right type of capital, you can upgrade your firm's infrastructure without tying up your operating cash. Our 2026 outlook provides clarity on current accounting firm financing rates and the specific covenants you should expect when applying for non-collateralized working capital products.