Black Mountain Financial
Professional practices

Finance built around your practice.

Accountants, mortgage and finance brokers, solicitors, planners and medical practices run on recurring revenue, goodwill and partner equity — the things generic lenders misread. We structure finance around how a professional firm actually earns, and present it so credit teams see the strength, not the unfamiliarity.

100+
Lender panel
20+
Years' experience
Australian Financial Complaints AuthorityAustralian Property InstituteMortgage and Finance Association of AustraliaConnective member
What we do

Lenders that read a practice properly.

A professional practice isn't a generic small business. Its value sits in recurring fees, client relationships, goodwill and partner equity. We work with funders who understand that — and we structure the facility around it.

01 Practice acquisition

Funding to buy in, buy out a partner, or acquire a practice — valued on goodwill and recurring revenue, not just hard assets.

02 Partner & equity transitions

Structuring buy-ins, buy-outs and succession so the transition is clean and the practice keeps running.

03 Premises, fit-out & equipment

Finance for rooms, fit-out and equipment, structured against the practice's cash flow.

04 Refinance & working capital

Repricing an existing facility, consolidating debt, or freeing up working capital as the practice grows.

We're a small team working with a small number of clients at a time. The principal who structures your deal runs it through to settlement — no junior handoff.

Structure matters as much as the rate. How a facility is built — the security, the covenants, the repayment shape — decides how it serves the practice over its life, not just the headline number.

Who we work with

Firms that run on recurring revenue.

If your value sits in fees, relationships and goodwill rather than hard assets, the same principles apply. We work with professional practices across the Capital Region and Australia.

01 Accounting & advisory firms

Fee-base lending, partner buy-ins and growth capital, valued on recurring compliance and advisory income.

02 Mortgage & finance brokers

Acquisition, trail-book and working-capital funding for broking businesses — assessed on the quality of the book.

03 Legal firms & solicitors

Practice acquisition, partner transitions and premises finance for law firms.

04 Financial planning practices

Funding for advice firms with recurring-revenue and fee-base profiles.

05 Medical & allied health

GPs, specialists, dental and allied health — acquisition, fit-out and refinance.

06 Real estate agencies

Agency and rent-roll acquisition, growth and principal transitions.

Why us

Adviser, not a placement broker.

We're mandated as your adviser — not owned by a lender or an aggregator. We structure the facility around your interest, then take it to the funders most likely to back it.

01 Senior-led, every file

The principal structures the deal and runs it to settlement.

02 100+ lenders

Major banks, regional, non-bank and private credit — one broker who knows them.

03 ACT & regional NSW depth

Local lender and valuer relationships a national broker runs remotely.

04 Structure over rate

We design the capital structure around the practice, not a lender panel.

Frequently asked questions

What makes financing a professional practice different?

Value sits in recurring revenue, goodwill and client relationships rather than hard assets, and many lenders undervalue that. We work with funders who assess practices on the right basis and present your numbers so the strength is clear. Any facility is subject to lender assessment.

Do you fund practice acquisitions and partner buy-ins?

Yes — acquisitions, buy-ins, buy-outs and succession transitions across medical, accounting, advice and agency practices. Terms depend on the practice, the structure and the lender.

Which professions do you work with?

Medical and allied health, accounting, financial planning, and real estate agencies, among others. If a practice runs on recurring revenue and relationships, the same principles apply.

Discuss your practice.

Speak to a principal

Start the Conversation

Let's talk about your practice

Whether you're acquiring, restructuring a partnership, or funding growth — we'd welcome the conversation. No obligation, no sales pitch. We reply within 24 hours.

Contact Details

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