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Accountants & bookkeepers · Ireland
Accountant & bookkeeper
business loans.
Accountancy and bookkeeping practices run on recurring fees, but the busy months cost money first — extra staff, overtime and software before clients pay. We help Irish accountants and bookkeepers compare term loans, working capital and asset finance through specialist lenders, including funding to buy a client book or merge with another practice.
Term loans for practice growth and acquisitions
Fund a new hire, an office move, practice software or buying a client book and repay on a fixed schedule.
- Unsecured term loans from €5,000 to €500,000
- From 12 months trading with one year’s accounts
- Annual turnover of €100,000 or more and a net profit
- No recent missed payments on bank statements
- Practices from around 9 months trading with steady deposits (about 8 a month) can look at flexible repayment loans instead
Working capital through busy season
Cover wages and overtime around the October tax deadline and year-end while fees are still being collected.
- Advance of up to 95% of unpaid invoice value
- Finance can cover your whole sales ledger as it grows
- One-off or ad hoc invoice finance starts at €100,000 per invoice
- Suits practices billing business clients on agreed fee terms
- A revolving facility, so it grows and shrinks with your billing
Asset finance for equipment and vehicles
Spread the cost of the kit a practice runs on instead of paying for it in one go.
- Hire purchase or leasing for suitable new or used assets
- Laptops, servers, scanners, office furniture and cars for client visits
- Leasing with no deposit on smaller items, and finance on suitable vehicles from €10,000
- A supplier quote helps us compare the options
- In some cases, loans secured on equipment you already own can work — assessed case by case
Finance is subject to lender assessment. Unsecured term loans are not registered against property or business assets, but some lenders ask directors for a personal guarantee. Equipment-secured loans are assessed case by case.
Why accountants and bookkeepers come to us
Busy season costs come before the fees
Practice income is steady across the year, but the work isn't. The run-up to the October tax deadline and client year-ends means extra staff, overtime and contractor hours, while fees often land weeks later. Growth costs come in lumps too — a new office, practice software, or buying a retiring practitioner's client book.
Term loans cover those lump-sum decisions with fixed monthly repayments. Invoice finance unlocks cash already earned but not yet collected where you bill business clients, and working capital can smooth out busy-season wages. Asset finance spreads the cost of laptops, servers, scanners, office furniture and cars over their working life.
Younger firms have options too: flexible repayment loans can suit practices from around 9 months trading with steady deposits, and repayments move with your daily takings. Buying a client book or taking over a practice? Our acquisition finance page covers that, and our unsecured business loans page explains term-loan criteria in more detail.
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Common questions
Can I borrow to buy a client book or another practice?
Often, yes. Lenders look at the recurring fee income being bought and your own trading record. A term loan can spread the purchase over several years, and our acquisition finance page covers larger practice purchases.
Do I need assets to qualify?
No. Unsecured term loans are not registered against property or business assets, so firms with little to pledge can still borrow on their trading record — though some lenders ask directors for a personal guarantee. Asset finance is the alternative where the equipment itself secures the deal.
Can I borrow to hire staff?
Yes. A term loan can fund a hire whose billings arrive months later, with repayments spread over a term that matches how long the person takes to pay for themselves. Practice development, marketing and new case management software are usually funded the same way.
What do lenders look for?
For unsecured term loans, lenders typically want at least 12 months trading with one year's accounts, turnover of €100,000 or more, a net profit and clean recent bank statements. Limited company, Sole trader, Partnership accounts can all work.
Free to you. Lenders pay us a commission when your loan completes. How we get paid