PII premium finance
Spread the professional indemnity renewal monthly rather than paying the full premium at once.
Accountancy sector finance
Business loans for accountants and accountancy practice finance
Accountancy practices know the numbers better than anyone — which is exactly why they use funding as a tool rather than a last resort. We arrange facilities for PII, software investment, busy-season hiring and the practice's own tax bills.
Facilities from £5,000 to £250,000+ over 3 to 72 months. No upfront fees — we are paid by the lender.
FCA Regulated · FRN 1000382
Trusted by UK professional practices
Specialist lender panel
Independent brokerage
What we fund
How we fund accountancy practices
Practical, everyday funding — not complicated structures. If it keeps the practice running or helps it grow, there is usually a lender for it.
Software, cloud migration and IT
Fund practice management systems, cloud accounting licences, hardware refreshes and cyber compliance.
Hiring during busy season
Cover the cost of extra staff through the self-assessment and year-end crunch.
VAT, corporation tax and personal bills
Fund the practice's own liabilities as well as partners' or directors' personal tax.
Working capital and revolving credit
Smooth the gap between annual billing cycles and monthly overheads.
Marketing and growth investment
Fund a rebrand, website, or the client-acquisition push that comes before the fees do.
Why Practice Capital
Where the high street stops, we start
You do not need funding explained to you — you need it arranged quickly, on sensible terms, without a bank taking six weeks to say no. That is the whole of our job.
- Specialist lender panel
- A quick, personal response from your specialist broker
- We work in the second string, behind the banks — not just A+ credit
- FCA regulated credit broker, FRN 1000382
- No upfront fees — the lender pays our commission
Typical scenarios
What accountancy clients come to us for
Illustrative examples of the kinds of requirements we handle. Full case studies coming soon.
Cloud migration in one facility
A mid-sized practice funded a full software migration and the associated training over a three-year term.
Seasonal staffing
A firm funded four months of additional staffing through January, repaid across the following year.
PII plus VAT together
A practice combined its indemnity renewal and a quarterly VAT bill into a single monthly payment.
FAQs
Accountancy finance questions, answered
- Can accountancy practices get unsecured business loans?
- Yes. Professional services firms with steady fee income are well regarded by unsecured lenders, and facilities from £5,000 to £250,000 and above are routinely available.
- Is PII premium finance available for accountants?
- Yes. It works the same way as for law firms — the premium is settled in full and you repay monthly, usually over ten to twelve months.
- Can we fund software over more than a year?
- Yes. Software and IT investment is often funded over two to five years, which spreads the cost across the period you actually benefit from it.
- Do you charge accountants a fee?
- We charge no upfront fees. We are a credit broker and are paid commission by the lender.
Other sectors we fund
Next step
Find out what your accountancy practice could raise
A short enquiry, an honest answer and a quick response from your specialist broker. No obligation and no upfront fees.