Accounting CPA Firm Financing Nationwide, Book Acquisition, Busy-Season Capital and Partner Buyouts
📊 Financing Built for Accounting and CPA FirmsI’m Kevin Kermeen, a nationwide commercial loan broker, not a bank. Accounting CPA firm financing is built around two realities of running a practice: the best way to grow is to buy another firm’s book of business, and the cash flow is brutally seasonal. Acquiring a retiring CPA’s client list or a competitor practically doubles your revenue overnight, but it is goodwill and recurring clients, not collateral, so a conventional bank balks. And the money concentrates around tax deadlines while payroll runs all twelve months. I match you to capital for both… SBA 7(a) financing to buy a book of business, acquire a firm or fund a partner buyout, and a business line of credit or working capital to carry payroll through the slow months between busy seasons. Tax, audit, bookkeeping, valuation, whatever your mix, I match you to lenders who fund accounting firms. Accounting CPA firm financing is what I do.
Accounting CPA Firm Financing for Every Need a Practice Has
Whether you’re buying another firm’s book, carrying payroll through the off-season, funding a partner buyout, or merging in a competitor, there’s a structure built for it. Here’s what accounting CPA firm financing commonly covers.
Buy a Book of Business
Acquire a retiring CPA’s client list or a competitor’s book, financed on the recurring client revenue through SBA 7(a).
Busy-Season Cash Flow
Carry payroll and operations through the slow months when revenue concentrates around tax and audit deadlines.
Partner Buy-In and Buyout
Fund a new partner buying into the firm, or buy out a retiring partner, through SBA 7(a) without draining cash.
Acquire or Merge a Firm
Buy another accounting practice or merge in a competitor to add clients and capacity, financed on the target’s revenue.
Open or Expand an Office
Launch a new practice, open a second office, or hire staff ahead of the next busy season with expansion capital.
Software, Tech and Build-Out
Tax and audit software, servers, office build-out and the technology a modern accounting firm runs on, on equipment terms.
A CPA Nearly Doubled Her Practice by Buying a Retiring Competitor’s Book With SBA 7(a)
A CPA had the chance to buy a retiring competitor’s entire book of business, a clean way to nearly double her practice in one move. But the deal was almost all goodwill and recurring client relationships, with no hard assets, so her bank capped the loan far below the purchase price and the deal was about to fall apart.
They called me. I matched her to SBA 7(a) acquisition financing that underwrote the target’s recurring client revenue and retention rather than demanding collateral, with a low down payment and a long term. She acquired the book, kept the clients through the transition, and the added recurring revenue covered the payment from the first month.
That’s what the right accounting firm match looks like. Don’t Beg the Bank! Get funded instead.
Accounting CPA Firm Financing, the Right Tool for Each Need
Accounting CPA firm financing isn’t one product. Buying a book or a firm wants SBA 7(a); the busy-season cash gap wants a line of credit or working capital. Here are the paths. I match you to the one that fits, tap any to explore it.
SBA 7(a) Book and Firm Acquisition
Buy a book of business or another firm, underwritten on the target’s recurring client revenue, with a low down payment.
See line of creditWorking Capital
A lump sum to cover payroll and operations through the slow months between tax and audit seasons.
See working capitalSBA 504 and Real Estate
Own the office your firm operates in with long-term, low-down-payment SBA 504 financing.
See SBA 504Business Line of Credit
Revolving capital for the busy-season swing, drawn when receivables lag and repaid when client payments arrive.
See SBA 7(a)Working Capital
If you want it, the lower-down-payment SBA 504 route for the owner-occupied office, separate from the practice purchase.
See working capitalLine of Credit
Revolving capital for seasonal swings and operations, draw only what you need.
See lines of creditQualifying for Accounting CPA Firm Financing
Accounting firms are strong borrowers because the revenue is recurring and predictable, exactly what lenders want to see. For a book or firm acquisition, SBA 7(a) underwrites the target’s recurring client revenue and retention; for the busy-season gap, a line of credit or working capital is underwritten on your collections and seasonal pattern. A profitable practice with decent owner credit has real accounting CPA firm financing options, even on a first acquisition. I qualify deals honestly.
✅ What helps you qualify
- ✔An operating accounting or CPA firm with verifiable recurring revenue, or a book to acquire.
- ✔A solid cash flow and decent credit, the foundation an SBA acquisition lender wants.
- ✔A target firm with solid, documented cash flow and verifiable client retention.
- ✔A down payment or contribution, which a parent or family member can help with.
💡 Straight talk
- →The busy-season cash gap runs on a line of credit or working capital, not your real estate.
- →Book acquisitions, firm purchases and partner buyouts run on SBA 7(a), on the firm’s earnings.
- →Credit is flexible, there’s no single hard FICO floor; stronger credit means better terms.
- →A past bank rejection does not disqualify you; the deal and your credit matter more.
Get Your Accounting Firm Financing Options
A quick, no-pressure pre-qualification. I personally review every submission, no call center, no junior rep.
Got it. I’m on it.
Your accounting firm financing request landed in my inbox. I personally review every submission and most responses go out within one business hour.
Watch for a call from me, Kevin Kermeen, I call directly, I don’t text.
Recent Accounting CPA Firm Financing From My Desk
A snapshot of the accounting and CPA firm financing I match to lenders nationwide, firm by firm. Every firm and deal is different, yours starts with a conversation.
Accounting CPA Firm Financing · Book Acquisition
A CPA bought a retiring competitor’s book of business with SBA 7(a), nearly doubling her practice.
Busy-Season Line
A firm opened a line of credit to carry payroll through the summer slow months between tax seasons.
Partner Buyout
A firm bought out a retiring partner with SBA 7(a) financing, paid from the practice’s earnings.
How I Match Accounting CPA Firm Financing to the Right Lender
Accounting firm cash flow has a shape lenders can read well once they understand it: recurring, predictable client revenue with a heavy seasonal concentration around deadlines. I work with many lenders, so I match your accounting CPA firm financing to one who values recurring revenue and a clean book, usually SBA 7(a) for a book or firm acquisition or partner buyout, and a line of credit or working capital for the busy-season swing, and I review the options with you before you commit.
Here’s the reality of building an accounting or CPA practice, and where conventional banks get it wrong. The fastest way to grow is to buy another firm’s book of business, a retiring CPA’s client list or a competitor’s practice, because recurring tax, audit, bookkeeping and advisory clients come with predictable annual revenue. But a book of business is goodwill and relationships, not equipment a bank can repossess, so a conventional lender caps the loan or passes outright. SBA 7(a) financing is built for exactly this: it underwrites the acquired firm’s recurring revenue and client retention, with a low down payment and a long term, so a deal your bank rejected becomes very financeable. The other reality is seasonality, the money concentrates around tax and audit deadlines while payroll, rent and software run all twelve months, and a business line of credit or working capital carries you through the slow stretch. Bookkeeping, tax preparation and planning, payroll services and business valuation practices all finance the same way, around recurring revenue and seasonality. According to the U.S. Small Business Administration, its 7(a) program can fund a change of business ownership.
The right structure depends on the deal size and whether a seller note or conventional layer belongs in the structure.SBA 7(a) loan, and broader options live across the SBA loan programs. A book or firm acquisition and a partner buyout run on an SBA 7(a) loan, the busy-season cash gap runs on a business line of credit or working capital, and the tax software, servers and build-out a modern firm needs run on equipment financing. If you want to own the building, an SBA 504 loan or commercial real estate loan gives long-term, fixed-rate terms. A brand-mandated renovation points to professional services working capital, and the ramp-up months are covered by working capital loans or a business line of credit.
So tell me what your firm needs, a book to acquire, a bridge through busy season, a partner buyout, or a merger, and I’ll tell you honestly which accounting CPA firm financing fits and match you to a lender who values recurring revenue. To buy another firm specifically, see my practice acquisition financing. For other firm financing, see my professional services financing hub, or compare every option on my loan programs page. Don’t Beg the Bank! Get funded instead.
Sources: U.S. Small Business Administration, 7(a) loan program and 504 loan program.
Straight Answers Before You Apply
What is accounting CPA firm financing?
How do I finance buying another firm’s book of business?
How do I cover payroll through the off-season?
What kinds of accounting firms do you finance?
Can I finance buying or merging in another firm?
What does it cost to work with you?
A Broker Who Understands Recurring-Revenue Firms
I’m Kevin Kermeen, the nationwide commercial loan broker behind 75BizLoans.com, not a bank and not a lead-selling portal. A conventional bank sees an accounting practice with no hard collateral and a book of goodwill and stops reading. I work with SBA 7(a) lenders who underwrite recurring client revenue and retention to fund book and firm acquisitions, and line-of-credit lenders who carry the busy-season swing, and matching you to the right accounting CPA firm financing is the whole point of working with me. I personally review every application, I call you directly, and I never text. For program details, see the SBA’s 7(a) loan program.
Don’t Beg the Bank!
Get Funded Instead.
Banks hand out umbrellas when the sun is shining, not when you’re weathering the storm … and they’ll reject the book-of-business acquisition that would double your practice, just because it lacks hard collateral. I match you to accounting CPA firm financing built around recurring revenue … SBA 7(a) to buy a book of business or another firm, and a line of credit or working capital to carry payroll through the slow months between busy seasons. Tax, audit, bookkeeping, valuation, whatever your mix. Get a same-day callback from a broker who reviews every deal himself.
Accounting and CPA firm financing covers SBA 7(a) loans, business lines of credit, working capital and equipment financing. Book-of-business and firm acquisitions run on SBA 7(a), which is government-backed, generally capped at $5 million, with its own eligibility, terms and timelines set by the SBA; a seller note may be layered in. Busy-season and cash-flow financing is underwritten on the firm’s revenue and collections, not real estate. SBA 504 applies only to an owner-occupied office purchase. Amounts, rates, terms, advance rates and funding timelines vary by lender, the firm and the use of funds; all figures are illustrative and not a commitment to lend, and nothing here is tax, accounting or financial advice. No upfront fees refers to fees payable to 75BizLoans.com; I am paid by the lender at closing. Some partner lenders may require a commitment deposit when you accept their term sheet.