Financing for accounting and tax firms
An accounting firm grows on trained staff, specialized software and an office clients can find season after season. We help you explore capital to grow or financing to purchase the property where you operate.
GROW™ — capital for your next stage
GROW™: up to $350,000, up to 10-year terms, no prepayment penalty and no specific personal collateral required.
What owners typically invest in
- Accounting, payroll and filing software
- Hiring staff for peak season
- Computers and secure records backup
- Office and meeting-room improvements
- Marketing to win recurring clients
OWN™ — buy the building where you operate
Your firm runs on trust and continuity: clients come back to the same place every year. When you rent, the work you put into meeting rooms, wiring and records security stays in someone else\u2019s building. Owning the office fixes your occupancy cost and turns that payment into equity.
What lenders typically review
Lenders usually review how long the business has operated, its cash flow, the owners’ credit and the recurring nature of your seasonal client base. For GROW™, reference guidelines include three or more years in operation, a personal FICO of 650 or above, a minimum SBSS score of 165, personal and business debts current, repayment capacity with a minimum DSCR of 1.25x and no bankruptcy in the last seven years. GROW™ does not require specific personal collateral, though limited business collateral requirements may apply. To buy the property through OWN™, your business must occupy most of the building.
Frequently asked questions
Can I finance the purchase of the office I already occupy?
In many cases, yes. Owner-occupied financing is designed for businesses that occupy most of the property. Eligibility depends on the lender and program requirements.
Can capital cover tax season?
Yes. Many firms use growth capital to hire and cover payroll before collections arrive. The final amount depends on your cash flow and lender approval.
Can I finance buying a client book?
Eligible business acquisitions are considered in specific industries. We review it with you before the file goes to the lender.
What documents should I have ready?
Typically business tax returns, year-to-date financial statements, bank statements and a schedule of your business debt.
Related uses of capital
Every rent payment builds your landlord's equity. With owner-occupied SBA financing, you can buy the building you rent today and turn that monthly payment into an asset you own.
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The right equipment lets you serve more customers, work faster and offer new services. With working capital you can invest in it without draining your operating account.
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A renovated space attracts customers, improves their experience and helps you work better. With working capital you can make those improvements without slowing down daily operations.
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Find out what your business may qualify for
Answer a few questions and an advisor will review your case, with no obligation.
All financing is subject to approval, financial analysis and lender terms.