Term Loans for Accounting Firms
Some practice investments need predictable financing. Technology infrastructure, office expansion, or firm improvements deserve fixed monthly payments you can plan around. When budget certainty matters, term loans provide clarity.
How much funding do you need?
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When Term Loans Work for Accounting
Term loans excel for substantial practice investments where payment predictability matters more than draw flexibility. Fixed monthly payments enable precise budgeting.
Fixed Payment Budgeting
A $100,000 term loan at 14% for 60 months means $2,330 monthly. This predictability enables confident firm planning.
Technology Investment Match
Major technology infrastructure that will serve your firm for years deserves appropriate financing terms.
Total Cost Clarity
Interest rate and amortization show exact total repayment from day one.
Faster Than SBA
Term loans fund in 1-4 weeks versus 60-90 days for SBA. Rates are higher but speed may matter.
When Predictable Payments Matter
Major firm investments often demand fixed monthly obligations.
Variable Payment Uncertainty
MCA payments vary with deposits. Unpredictable financing costs make firm planning difficult.
Major Investment Scale
Technology infrastructure, office buildout, or firm improvements require substantial capital.
Long-Term Technology Match
Server and infrastructure investments lasting 5+ years should not be financed over 12 months.
Budget Integration
Firm budgets require known costs. Variable payments complicate planning.
SBA Timeline
SBA offers best rates but takes 60-90 days. Term loans bridge when time matters.
Partnership Investment
Partner buy-in or firm investment requiring fixed structure.
Accounting Term Loan Process
Get fixed payment financing with clear terms.
Application
Complete application with firm information and use of funds.
15 minutes
Documentation
Provide bank statements and financial information.
Upload documents
Underwriting
We evaluate revenue, time in practice, and repayment capacity.
7-21 days
Funding
Accept terms with fixed payment schedule. Funds deposited.
1-3 days
Structured Financing for Firm Investments
Term loans provide predictable monthly payments over extended periods. When your accounting firm needs substantial capital with budget certainty, term loans deliver clear costs.
Fixed Monthly Payments
Same payment every month. Know exactly what you owe regardless of revenue variation.
Extended Terms
Terms from 1-7 years spread payments to manageable levels.
Clear Total Cost
Interest rate and schedule show exact total from the start.
Build Business Credit
Regular payments build business credit profile.
Faster Than SBA
Fund in 1-4 weeks versus 60-90 days for SBA.
Accounting Understanding
We evaluate CPA firms based on revenue and client patterns.
Accounting Term Loan Applications
Common situations where predictable financing serves CPA firms.
Technology Infrastructure
Servers, network, security systems for the firm.
Typical funding: $50K-$150K
Office Expansion
New space buildout and equipment.
Typical funding: $50K-$200K
Software Package
Major software investment with predictable repayment.
Typical funding: $25K-$75K
Partner Buy-In
Capital for new partner contribution.
Typical funding: $75K-$250K
Practice Improvement
Renovations and modernization.
Typical funding: $40K-$150K
Working Capital
Substantial working capital with fixed structure.
Typical funding: $50K-$150K
Term Loans vs. Alternative Financing
Understanding when fixed payments make sense.
| Feature | Term Loan | MCA | SBA Loan |
|---|---|---|---|
| Payment Structure | Fixed monthly | Daily/weekly | Fixed monthly |
| Repayment Term | 1-7 years | 6-18 months | 10 years |
| Total Cost | Clear from start | Factor rate | Clear from start |
| Typical Rate | 12-20% APR | 25-45% effective | 9-11% APR |
| Predictability | Exact amount known | Varies | Exact amount |
| Time to Fund | 1-4 weeks | 24-72 hours | 60-90 days |
| Best For | Mid-range needs | Emergencies | Major investments |
| Documentation | Moderate | Light | Extensive |
Term Loan Requirements
What qualifies accounting firms for fixed payment loans.
Firm History
Established accounting practice with revenue track record.
1-2+ years preferred
Revenue Level
Sufficient revenue to support fixed monthly payments.
$250,000+ annual
Owner Credit
Term loans require decent personal credit from owners.
620+ preferred
Bank Statements
Firm bank account showing revenue patterns.
4-6 months statements
Recurring Revenue
Recurring client relationships demonstrating stability.
Established clients
Cash Flow Capacity
Ability to maintain payments alongside operations.
Adequate cash flow
Strong revenue and client relationships support term loan qualification.
Real Results
Capital City Accounting
CPA Firm, Ohio
The Challenge
Capital City needed $85,000 for technology infrastructure: new server, network upgrade, and security systems. MCA quotes showed variable payments making budgeting impossible.
The Solution
We structured 48-month term loan for $85,000 at 15% with fixed monthly payments of $2,365.
The Result
Technology upgraded before tax season. Fixed payments incorporated into monthly budget. Infrastructure has improved firm productivity 20%.
“MCA payments varied unpredictably. I could not budget. Fixed payments mean I know exactly what we owe each month. Much easier to run the firm.”
Accounting Term Loan Data
Statistics on term lending for CPA firms.
Term Loan Advantages for Accounting
Why fixed payment financing works for CPA firms.
Budget Certainty
Build financing costs into firm budget with precision.
Lower Than MCA
Term loans typically cost less than MCA products.
Clear Payoff Date
Know exactly when financing will be paid off.
Credit Building
Regular payments build business credit.
Faster Than SBA
When you cannot wait 60-90 days for SBA.
Refinancing Path
Strong payment history may enable SBA refinancing.