Who We Work With
Professional services.
Finance for firms built on people — funding partner buy-ins, acquisitions, premises and the growth capital a practice runs on.
Overview
How we work with the sector.
Professional services firms — accountants, lawyers, consultancies, advisory and engineering practices — share a finance profile that doesn't fit a standard small-business template. The value of the firm sits in its people, its client base and its recurring fee income, not in plant or property a lender can hold as security. We work with these firms across ownership transitions, acquisitions and growth. The most common loans — a partner buying in, a practice acquiring another, a firm funding a growth push — are largely backed by income and goodwill rather than hard assets. Lenders that understand professional services will lend against that profile and the strength of recurring revenue; a generalist lender often can't see past the thin asset base. We take each loan to the lenders that read the firm correctly, and we set up premises, equipment and SMSF-held property loans to sit cleanly alongside the partnership agreement.
Sector Snapshot
- Typical Loan Size
- $50K — $10M+
- Common Products
- Business loans, commercial mortgages, SMSF lending
- Settlement Window
- 2 — 6 weeks
- Security Profile
- Often income & goodwill-backed
Common Scenarios
What we finance most often.
01 / 03
Partner buy-in & succession
Funding an incoming partner's equity stake, or a planned succession transition — built around the firm's earnings and the partnership agreement.
02 / 03
Practice acquisition
Financing the purchase of another practice or a client book — where goodwill and recurring fee income carry most of the value.
03 / 03
Premises & growth capital
Buying or fitting out office premises, often through an SMSF, and funding the growth investment a scaling firm needs ahead of revenue.
Finance Products
Products most relevant to professional services.
FAQ
Professional Services finance — questions answered.
Often, yes. Buy-in finance is commonly structured against the firm's earnings, the recurring fee income and the partnership agreement rather than property. The available security shapes the terms — it does not always decide whether the deal is fundable.
Yes. Acquisition finance for professional services is largely backed by goodwill and recurring revenue. We place it with lenders that genuinely understand how a professional firm earns rather than applying a generic asset-based policy.
It can be an effective structure for a firm buying its own premises, keeping the rent and the asset inside the fund. Your accountant and adviser confirm it suits the partnership — we arrange the finance once the structure is set.
The right lenders assess on recurring fee income, client retention and the strength of the partnership. That is exactly why lender selection matters here — a generalist often cannot see past the thin asset base, where a specialist will.
Yes. A term loan or a line of credit can fund a defined growth investment — a new team, a new service line, an office expansion — structured so the repayment matches when that investment is expected to pay back.
Ready?
Let's structure your next professional services deal.
One short application puts your deal in front of the lenders most likely to fund it. No obligation, no cost to find out where you stand.