Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Specialist Business Loans for Accountants
Summary: Fast Business Loans connects UK accountancy practices with specialist lenders and brokers for funding from £10,000+. We run a quick, no-obligation eligibility check and match you with providers experienced in practice cash flow, partner buy-ins, acquisitions, invoice and asset finance. Submit a short enquiry and receive tailored lender matches within hours.
Why Accountants Need Specialised Business Finance
Accountancy practices face distinct working capital pressures: client billing cycles, peaks at tax deadlines, seasonally concentrated income and often high payroll costs for qualified staff. Generic lenders may not fully appreciate those cash-flow patterns or the documentary evidence routine for professional firms.
Specialist lenders and brokers understand professional practice cash flow, professional indemnity renewal timings, software and compliance costs, and the capital requirements for growing or buying practices. That means faster decisions, more relevant facility structures and realistic repayment schedules.
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Get a tailored lender shortlist in minutes — Start Your Free Eligibility Check
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
How Fast Business Loans Helps Accountancy Practices
Fast Business Loans does not lend. We act as a fast, free introducer that matches your practice with lenders and brokers who specialise in professional services. Our approach is simple and designed to save you time while increasing your chance of a good outcome.
Our four-step matching process
- Complete a short enquiry form (takes under 2 minutes).
- We match your needs to a curated panel of lenders and brokers with accountant practice experience.
- A broker or lender contacts you to discuss options and required documents.
- Compare offers and choose the solution that suits your practice — no obligation.
Benefits: quicker introductions, sector-aware partners, no initial credit impact and a free service to businesses.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Get Matched to Accountant-Friendly Lenders — Free Eligibility Check
Funding Options for UK Accountants
Accountancy firms typically need funding for working capital, partner buy-ins, practice acquisitions, technology upgrades, and to smooth VAT or PAYE peaks. Below are the main finance types you can access through our partners.
Working Capital & Cash Flow Loans
Short to medium-term loans to cover payroll, tax bills or seasonal slowdowns. Flexible amounts and terms are available depending on turnover and security offered.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Practice Acquisition & Partner Buy-In Finance
Structured facilities to support buying another practice, funding partner exits or facilitating equity buy-ins. These are typically larger, secured arrangements with tailored repayment schedules.
Equipment & Technology Upgrades
Finance for practice software, hardware and cybersecurity investments — often lease or hire-purchase solutions that preserve cash flow.
Invoice Finance for Professional Services
Factoring or invoice discounting unlocks cash tied up in billed fees. Useful when client payment terms are long or uneven.
Asset Refinance & Debt Consolidation
Refinancing existing facilities can reduce monthly costs or extend terms to free up working capital.
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Quick Comparison
| Finance Type | Typical Range | Useful For | Repayment Style |
|---|---|---|---|
| Working Capital Loan | £25k–£500k+ | Payroll, tax peaks | Fixed term 1–5 years |
| Invoice Finance | Based on ledger | Managing late payments | Revolving facility |
| Practice Acquisition | £100k–£2m+ | Buying practices | Structured, often secured |
| Equipment Finance | £5k–£250k | Software / hardware | Lease or hire purchase |
| Refinance | £50k–£1m+ | Lower monthly costs | Tailored |
Figures are illustrative. Actual terms depend on lender assessment. Fast Business Loans is an introducer, not a lender.
What Lenders Look For in Accounting Firms
Although criteria vary, most lenders consider:
- Trading history and consistent turnover (the stronger, the better).
- Quality of management accounts and up-to-date aged debtor listings.
- Client concentration — diversified income helps approval chances.
- Profitability, cash conversion cycles and evidence of recurring work.
- Security offered and director personal credit where applicable.
If your practice is newer or in transition, brokers in our panel can suggest alternative structures or specialist lenders who assess cases flexibly.
Required Documents & Preparation Checklist
Having the right paperwork ready speeds the process. Typical documents requested include:
- Registered company details and director information.
- 6–12 months business bank statements.
- Most recent filed accounts and year-to-date management accounts.
- Forecasts or cash-flow projections (3–12 months).
- Aged debtor list and client contract summaries.
- Practice valuation or details for acquisition finance.
- Proof of professional indemnity cover where relevant.
Tip: store files securely in a shared folder (PDFs) so lenders can access them quickly when requested.
Step-by-Step: From Enquiry to Funding
- Submit a short enquiry (basic business details, amount sought, purpose).
- We match you with best-fit lenders and brokers — typically within hours.
- Broker/lender requests documents and clarifies terms (soft checks at enquiry stage).
- Receive indicative offers and compare pricing, term and security.
- Proceed with one provider for formal underwriting (lender may run a hard credit search at this stage).
- Funds released once due diligence and legal steps are complete.
Typical timelines: initial contact within a business day; indicative offers in 48–72 hours; funds in as little as 5–10 working days for straightforward facilities. Complex acquisitions or heavily secured deals may take longer.
Why Partner With Fast Business Loans
Choosing Fast Business Loans saves you time and increases the chance you’ll find a lender who understands accounting practices. Our advantages:
- Curated panel of lenders and brokers with professional services experience.
- Free, no-obligation enquiry — no initial credit impact.
- Faster matching to relevant products and providers.
- Simple process designed for busy partners and practice managers.
Important: Fast Business Loans does not provide financial advice and does not lend funds directly. We introduce you to providers who may be able to help based on your circumstances.
Accountancy Practice Case Study Highlight
Profile: Midlands-based practice with 12 staff, annual fee income £850k, cash flow strained by seasonal VAT peaks and a planned partner buy-in.
Challenge: Need £350,000 to complete partner buy-in and provide a 3-month working capital buffer.
Solution: Matched with a specialist broker experienced in practice acquisitions. The firm received an indicative term sheet within 72 hours and completed funding in 9 business days via a structured facility combining acquisition finance with a short-term overdraft.
Outcome: Smooth partner transition, staff retention maintained, and cash flow stabilised during the next tax season.
Frequently Asked Questions
Can newly formed practices get funding?
Some lenders and brokers will consider newer practices, particularly where directors have prior experience, strong personal credit or where there is an agreed earn-out or deferred consideration. Our matching process identifies panel partners that consider such cases.
Will enquiring affect our credit score?
No — an initial enquiry through Fast Business Loans does not result in a hard credit check. Lenders may only perform hard searches if you progress to a full application.
Do lenders typically require personal guarantees?
Many lenders may request personal guarantees, especially for limited companies or where security is limited. Brokers can help you explore alternatives or negotiate terms based on facility type and performance.
How quickly can funding be released?
Indicative offers can arrive within 48–72 hours of document submission. Release of funds varies by product: working capital and invoice finance can be quick (days) while acquisitions and secured lending may take longer.
What fees does Fast Business Loans charge?
Our service is free for businesses. We are paid by brokers or lenders when a facility completes. You are under no obligation to accept any offer presented.
Information is general and not financial advice. Please discuss full terms with the broker or lender you are matched with.
Ready to Explore Accountant Loan Options?
If your practice needs funding from £10,000 and up — whether for cash flow, a partner buy-in or growth — our free, no-obligation matching service can save you time and connect you to lenders and brokers who specialise in professional practices.
Start Your Free Eligibility Check and get matched with lenders who understand accountancy businesses.
For more sector-specific guidance, see our dedicated accountants page on accountants business loans: accountants business loans.
– What is the minimum loan amount available for accountants? Most UK accountant business loans via our partners start from £10,000+, depending on the product and lender.
– Will submitting an enquiry affect my credit score? No—our free eligibility check is a soft process for matching only; lenders may run a hard search only if you proceed with a full application.
– Is the enquiry form a loan application? No, it’s simply information we use to match your practice with suitable UK lenders and brokers, with no obligation to proceed.
– Do you lend directly to accountancy firms? No, Fast Business Loans is an introducer that connects you with specialist lenders and brokers; we don’t lend or provide regulated financial advice.
– How quickly can an accounting practice get funded? You can receive indicative offers within 48–72 hours and, for straightforward cases, funds in as little as 5–10 working days.
– What types of finance can accountants access through you? Our partners offer working capital loans, practice acquisition and partner buy‑in finance, invoice finance, equipment/asset finance, and refinance solutions.
– What documents will lenders usually ask for? Expect recent bank statements, filed and management accounts, cash‑flow forecasts, an aged debtor report, company and director details, and proof of professional indemnity cover where relevant.
– Do lenders require personal guarantees for accountant business loans? Many do, especially for limited companies or where security is limited, though brokers can discuss alternatives or mitigants.
– Can new or recently formed accountancy practices get funding? Yes—some specialist lenders consider newer firms where principals have relevant experience, strong personal credit, or structured deals such as earn‑outs or deferred consideration.
– What does your service cost? Our matching service is free for businesses, and we’re paid by brokers or lenders only if a facility completes.