Capital for accounting practice growth — Practice Finance
Access tailored financing solutions for acquisitions, software upgrades, and working capital specifically designed for CPA and accounting firms.
Soft inquiry only. No impact on your credit score.
4.9 Excellent · 3,200+ reviews via Big Think Capital- Book of business
- EBITDA multiple
- Client retention
- Recurring revenue
- Practice valuation
- Tax season cash
- Firm succession
- SBA guarantee
Financing solutions for US-based CPA and accounting firms
Financing options matched to your situation, in one place.
- ACQUISITION CPA practice buyouts Bridge financing for firm mergers and partner buyouts.
- EXPANSION Technology upgrades Capital for specialized accounting software and hardware rollouts.
- CASHFLOW Working capital Manage payroll and overhead during off-peak tax months.
- CONSOLIDATION Debt refinancing Streamline high-interest obligations into one term loan.
- $50K–$5M Loan amounts
- 24–48 hours Decision timeframe
- 1 soft pull No credit impact
What business owners say
4.9-
This company was lightning fast and the experience was amazing. Thank you, Dan — you're a real pro!
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Good service Joseph Krajewski is the best agent ever. He provided excellent service. I strongly recommend working with him if you have the opportunity.
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They gave me a chance when nobody else would. I'm very satisfied.
How the money moves.
One soft check to match. One hard pull, and only from the lender you choose. That mechanism is why this is not a broker.
Accounting sector knowledge
- We understand recurring revenue models for CPA firms.
- Lenders value your firm's historical tax preparation volume.
No collateral required
- Many options rely on future cash flow rather than real estate.
- Asset-light funding structures for smaller practices.
Transparent terms
- Clear amortization schedules without hidden origination fees.
- No prepayment penalties on most term loan products.
Why the usual lenders say no.
Your revenue is real. The problem is the form. Here is why traditional underwriting turns away healthy operators in this space, and what we do differently.
Low tangible assets
Traditional banks often reject accounting firms for lacking heavy machinery as collateral.
High debt-to-income
Lenders get nervous when previous expansion loans sit on the balance sheet.
Seasonal revenue fluctuations
Banks see the dip between tax seasons as a credit risk.
What a funded request actually looks like.
Composite illustrative scenarios, not specific borrowers. Each is built from the kinds of requests this niche routinely sees.
Solo tax practice owner
Buying a retiring CPA's book of business to expand client base.
Mid-sized accounting firm
Upgrading to cloud-based audit software and remote security systems.
Tax preparation firm
Managing payroll gaps during the quiet period after tax season.
CPA firm partnership
Consolidating high-interest credit lines into a single fixed loan.
Managing your firm finances
Read our 2026 guide on valuing a book of business and improving firm EBITDA for future bank negotiations.