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Finance that
understands your practice.
Accounting practices are built on recurring relationships and predictable revenue. The right structure recognises that stability and leverages it — instead of treating your firm like every other small business. We fund acquisitions, manage partnership transitions, and back growth for accounting firms across Canberra and regional NSW.
Funding that reads a fee base properly.
Accounting practices earn stable, recurring compliance and advisory income. Most general lenders undervalue exactly that. We work with funders who recognise the quality of recurring revenue — and we present your numbers so credit teams see the strength, not the unfamiliarity.
We're a small team working with a small number of clients. Based in Canberra, connected nationally. We structure first, then go to the right lenders. And if borrowing isn't the right move yet, we'll tell you when not to borrow.
Recognise recurring revenue
Compliance and advisory income is stable and predictable. We work with funders who price that quality properly.
Present the goodwill
Fee multiples, client retention, and the quality of the client base drive practice value. We put them to lenders who get it.
Navigate partner structures
Multi-partner firms carry complex ownership. We work through partnership agreements, restraint clauses, and staged equity transitions.
Structure for seasonality
Tax season creates predictable revenue peaks. We build facilities that accommodate the natural rhythm of practice income.
How we help accounting practices.
From your first practice acquisition to running a multi-partner firm, every structure is designed around the accounting profession — not retrofitted from a generic business loan.
Practice Acquisition Finance
Funding to acquire an accounting practice — goodwill, recurring fee base, and work-in-progress. We know how lenders assess accounting practice valuations, and we present yours to match.
Fee Base Loans
Specialist lending secured against recurring fee income. Structures designed around the predictable nature of compliance and advisory revenue.
Growth Capital
Working capital to invest in technology, hire staff, or expand into advisory services. Facilities structured around your practice's cash flow cycle.
Partner Buy-ins & Transitions
Finance for new partners joining, existing partners exiting, or generational ownership transitions within the firm.
Commercial Premises
Finance to purchase your own office space rather than leasing — building long-term equity in your business location.
Professional Insurance
Key person cover, income protection, and business insurance tailored to the specific risks facing accounting professionals.
Generic brokers undervalue your firm.
Here is what specialist knowledge changes about your outcome — at the structure, the valuation, and the rate.
Practices generate stable, recurring compliance income that most general lenders undervalue. We work with funders who properly recognise this revenue quality.
We understand fee-multiple methodologies, client retention analysis, and how lenders assess the quality of an accounting firm's client base.
Multi-partner firms have complex ownership structures. We navigate partnership agreements, restraint clauses, and staged equity transitions.
Tax season creates predictable revenue peaks. We structure facilities that accommodate the natural rhythm of accounting practice income.
Who we work with.
Sole practitioners acquiring their first practice.
Mid-tier firms pursuing growth by acquisition.
Partners buying in or buying out of existing firms.
Practices transitioning from compliance to advisory models.
Accounting firms purchasing commercial premises.
Retiring principals planning succession and exit.
Accounting practice finance, answered.
How do lenders value an accounting practice for finance purposes?
Accounting practices are typically valued on a multiple of recurring revenue — usually 0.9–1.2x for general practices, with multiples climbing to 1.5x+ for well-structured firms with long-tenure clients and strong recurring billings. Some lenders use an EBIT multiple (2–3x) as a cross-check. Lenders discount the goodwill value if there's heavy reliance on a single client (more than 10–15% of revenue from one source is a flag), or if the vendor's relationships aren't transferable.
Can I buy an accounting practice without owning property?
Yes. Specialist professional practice lenders will fund accounting practice acquisitions without real property security, typically up to 70–80% of the purchase price. The practice goodwill and your professional income act as the primary support. The vendor staying on for a transition period — even 6 months — meaningfully improves the credit outcome. Without property, the maximum unsecured amount is typically $1.5–2.5M depending on the lender and practice profile.
How does partner buyout finance work for accounting firms?
Partner buyouts in accounting firms are common and lenders understand the structure. The key variables are how the departing partner's interest is valued (revenue multiple or asset value), whether any portion is deferred or vendor-financed, and how the remaining equity is distributed. Lenders prefer to see the firm's historical profitability maintained post-buyout — if the departing partner was the primary revenue generator, that's a credit risk that needs to be addressed in the application.
What's the difference between buying a practice and buying a client book?
Buying a practice means acquiring a legal entity (shares or business assets) with staff, systems, premises, and clients. Buying a client book means acquiring a portfolio of client relationships from a retiring sole trader or practice downsizing. Lenders treat these differently: a full practice acquisition is funded at 70–80% LVR; a client book acquisition may attract a lower LVR (50–65%) because the transfer risk is higher — clients are not obligated to stay. We structure both regularly.
Related finance.
Financial Planning Finance
Funding for advice firms that share the recurring-revenue and fee-base profile.
FinanceBusiness Finance
Acquisition funding, working capital, and equipment finance for operators.
FinanceCommercial Property
Purchase, refinance, and equity release for owning your practice premises.
Ready to discuss your firm?
Start the Conversation
Let's Talk About Your Accounting Firm
Whether you're acquiring a practice, managing a partner transition, or planning for succession — we'd welcome the conversation.
Contact Details
Phone
02 6188 9849
Office
Level 1, 33 Allara Street
Canberra ACT 2601
Hours
Monday – Friday, 9am – 6pm
What to Expect
- Honest assessment of your options
- Response within 24 hours
- Strategic insight, not a sales pitch
- No obligation discussion