FINANCE OPTIONS

^Get Your £900k Accountancy Firm Loan Today

Q: How much can an accountancy firm borrow with a term loan?

Term loan amounts commonly start around £50,000 and can reach £900,000+ depending on underwriting. Lenders assess factors such as trading history and profitability, stability of recurring fee income, existing debt and monthly committed costs, the credit profile of key individuals, and whether you can offer guarantees or security.

Q: How long does a £900k term loan take to decide and complete?

Initial decision times can be around 5 to 15 business days for simpler unsecured assessments, or 2 to 6 weeks when security, valuation and more complex underwriting are required. Funds are often available 3 to 8 weeks from full submission, and may take longer when legal, security or guarantees take more time.

Q: What interest rate could apply to a £900k accountancy firm loan?

Indicative term loan pricing for SMEs is generally around 6.5% to 18% per annum, depending on credit risk, leverage, term length, and whether the facility is secured or guaranteed. For the £900k scale, lenders usually scrutinise affordability and risk factors more closely.

Q: What term loan types might lenders consider for an accountancy firm?

Typical options include an unsecured term loan (practice-led), a secured term loan (property or asset-backed), or a term loan with personal guarantee and/or a hybrid structure. Unsecured options are often aimed at established fee income, secured loans use collateral for larger amounts, and guaranteed or hybrid structures may be used to address key-person or concentration risk.

A £900k Accountancy Firm Loan is typically a term loan designed for an accountancy practice that wants a fixed borrowing amount and repayment schedule. Businesses use this kind of funding to support working capital, expand capacity, or finance specific assets, while matching repayment to predictable monthly instalments. For accountancy firms, lenders usually consider repayment capacity from recurring fee income such as compliance, bookkeeping, payroll and advisory retainers, alongside the business’s cash generation. Funding Agent can help you compare term loan structures that fit your £900k target and your ability to service monthly payments.

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^Benefits of a term loan for your practice

A structured term loan can help accountancy firms plan investment decisions with clearer monthly budgeting, and it is often used to smooth cashflow around fee timing. For a £900k-scale request, lenders typically assess risk through affordability and fee stability, which can influence pricing and whether security or guarantees are expected. Decision times vary based on complexity and any security steps.

Steady monthly budgeting

Build growth capacity

Refinance into one facility

SCALE YOUR BUSINESS TO NEW HEIGHTS

Term loan options for £900k

Unsecured term loan (practice-led)

Often suitable for established accountancy firms with proven fee income and a credit profile that supports monthly repayments. While amounts commonly range from £50k to £500k, a £900k request may need extra reassurance on affordability.

Unsecured term loan (practice-led)

An unsecured term loan (practice-led) relies primarily on how the business trades and generates recurring income. Typical lending terms are 24 to 60 months, with indicative pricing around 9% to 18% per annum depending on risk, and a first credit decision often taking 5 to 15 business days once documents are received. Lenders may ask for professional references and, where relevant, evidence that debtors or fee collection patterns can support repayment.

Secured term loan (property or asset-backed)

Better aligned to larger borrowing when you have credible collateral. Typical secured terms run from 36 to 84 months, with indicative pricing around 6.5% to 14% per annum.

Secured term loan (property or asset-backed)

A secured term loan reduces loss risk by using property or other lender-accepted security. Amounts can range from £150k to £900k+ where security and financials support the request. Timing often takes 2 to 6 weeks after documents are submitted because underwriting and valuation or legal steps must be completed. This structure can support premises purchases, fit-out, refinancing, or durable investments that underpin longer-term capacity.

Term loan with personal guarantee and/or hybrid structure

Designed for £300k to £900k+ requests where lenders want additional assurance. It can extend to 48 to 84 months, typically with indicative pricing around 7.5% to 16% per annum.

Term loan with personal guarantee and/or hybrid structure

For accountancy firms seeking a higher borrowing level, a lender may request a personal guarantee from key partners or directors, sometimes alongside partial security and a hybrid approach. Decision timing is frequently faster for the initial credit step, often 2 to 4 weeks, with total times commonly 3 to 6+ weeks due to guarantee and legal review. This route is commonly used when income is steady but lender confidence needs extra reassurance about key-person risk and concentration.

Typical Funding Journeys on Funding Agent

Submit your funding request

Our platform enriches your application using business data

Your request is matched to suitable lenders

Receive offers and proceed with the best option

How Funding Agent helps you access £900k

Share your firm’s details

Provide key information about the practice, your intended use of funds (such as hiring, systems, refinance or growth), and your approximate borrowing requirement for the £900k term loan request.

Submit documents for underwriting

Funding Agent gathers the documents lenders commonly need, including recent accounts and management information, trading history, and director or partner details where guarantees or enhanced checks are required.

Review lender matches

We present suitable options and explain which term loan structures are most realistic for a £900k target. This includes discussing whether security or guarantees may be expected, then supporting you through application, offer and completion.