Finance options to build your accountancy practice

Funding to help you establish, operate and grow your accountancy practice

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Funding options


Funding for your practice

  • Partner Equity Loans
  • Growth finance
  • Tax loans
  • Cashflow support

Funding for your premises

  • Commercial mortgages from 2%
  • Bridging loans
  • Refinancing
  • Deposit funding

Funding for your equipment

  • Hire purchase over up to 60 months
  • Rates from 6%
  • Lease equipment with no upfront costs
  • Solutions to cut the cost of vehicles

Talk to Rangewell – the business finance experts

As an accountant, you know the importance of finding the most appropriate funding for your practice. At Rangewell, we work across the entire lending market, and use our expertise to find the lenders who will offer the most competitive funding solutions for your practice.

At Rangewell we recognise your professional status, and we work harder to find you better solutions - which can include 100% finance for many of your needs.

As an accountant, you understand the need to get the right kind of finance for your practice. Whether you are starting up, already established or ready for growth or acquisition, having the most appropriate finance can save you money, and help you meet your objectives faster.

All the information you need

As an accountant, you know the importance of good financial management - and why it is essential to have the right financial solutions in place.

At Rangewell we can help you find those solutions. We work with both established and new accountant practices across the UK - that means we know the challenge your practice faces - and the answers to them.

Understanding the types of loans for accountants that are available will help you become more profitable and efficient

You may need to find the right type of finance for accountants to allow you to:

  • Buy into an existing accountancy business (Partner Equity Loans)
  • Buy the client base of a retiring colleague of competitor
  • Refinance current borrowing to take advantage of more competitive rates
  • Set up a new practice
  • Acquire Freehold Premises (almost always cheaper than renting)
  • Deal with cashflow
  • Deal with paying tax, VAT or HMRC bills
  • Provide working capital for growth or restructuring purposes
  • Acquire equipment and assets

Buying into an existing accountancy practice

If you are an experienced accountant, you may wish to buy into an existing practice as a partner, or even buy it outright. The costs involved may depend on the turnover of the practice as it stands, and its potential.

We can help you secure a number of solutions to let you buy into an established practice, including a Partner Equity Loan. This can take the form of an interest-only loan with a term of up to 25 years, which can be the most appropriate way to buy into a practice. We also specialise in working with borrowers who are buying into practices

Setting up a new accountancy practice

Setting up a new accountancy practice will probably require you to find an office. A serviced office will require an upfront payment while renting a small independent office will mean acquiring everything from a desk and chair to a computer. Electricity and business rates will have to be paid for, and you will need to invest in local marketing, which these days should probably include setting up a website.

Growing an accountancy practice

If you have joined an existing practice as a partner or become the owner outright you will probably need to invest for the future.

At Rangewell, we can provide solutions for all these needs.

Dealing with cashflow

Cashflow can be a problem for many accountants, especially in the early years of running their own practice. Your workload can be seasonal. Tax year-end means a peak of business - but your office, staff, marketing and other overheads will be regular fixed costs year-round.

What's more, clients will frequently take their time to pay for your services. Long delays in getting paid can mean business growth can be a problem. More work may not mean more cash until months have passed.

There are a number of solutions for cashflow needs.

Invoice Finance

Invoice Finance can provide a solution for accountants with cashflow issues.

Rather than having to wait up to 120 days for an invoice to be paid, it lets you take up to 90% of the value of each invoice immediately, with the remainder paid to you, minus fees, once the customer settles the outstanding balance.

Working Capital Finance

Working Capital Finance is often used to deal with overheads while a practice is finding its feet. It is a loan usually designed to be repaid in the short- to medium-term, once your cashflow is established and your business is fully profitable.


Borrowing to keep a cash reserve can be another solution to ongoing cashflow issues. We work with lenders across the UK market and can help you secure the most competitive Secured and Unsecured business loans.

Overdraft replacement

Short-term cashflow issues used to be dealt with by a bank overdraft. These days, overdrafts have become harder to get - fortunately, there are now some overdraft replacement products that work in a similar way.

Funding your premises

Premises can represent a major investment for any business. The cost of renting a small office will depend on your location, and the square footage you need - it may be best to take on more space than might be strictly necessary to allow you to take on assistants or a partner in the future. There may be service charges and business rates on top of the bare lease. You may need upfront funding to secure the agreement - we can provide a number of solutions to help you.

However, renting means ongoing costs, and puts your practice at risk of rent increases. Buying your premises with a Commercial Mortgage could actually decrease your monthly outgoings, and provide your business with a valuable asset for the future. Commercial Mortgages can help you buy your premises or even an existing practice. It is uneconomic to borrow less than £50,000, and some lenders have a minimum of £75,000 or more, but there is no set upper limit.

Commercial Property Finance is arranged on an individual basis - but, as an accountant, you should have no difficulty in securing preferential rates that reflect your professional status.

Remember, if you already own your premises, a Commercial Mortgage might be a cost-effective way to raise funds to use elsewhere in your business.

Find out more about a Commercial Mortgage.

Funding for your equipment

Whether you are starting up, buying into an existing business, or ready to move your current operation on, you will need office equipment. Your IT setup, your computers and printer will be expensive items, and you may need specialised accounting software with operating licenses and renewals, training and maintenance. You will also need to furnish your office.

At Rangewell we can help you find the most appropriate Asset Funding solutions for your needs, with both Hire Purchase and Lease agreements, together with business Contract Hire for your vehicles.

Business loans for growth

At Rangewell, we work with lenders across the UK market and can help you secure the most competitive Secured and Unsecured business loans.

We can also help with a number of specialised loan products:

Tax loans

Tax is inevitable, but a large quarterly VAT or annual tax demand can cause problems with your cash flow, particularly when it falls at the same time as other costs. Tax loans help you to spread the cost of your tax demands into affordable monthly payments.

  • Better control of cash flow
  • Fixed monthly payments
  • Quick and simple to arrange
  • Avoids issues with HMRC, potential penalties and professional liabilities

Working Capital Finance

Working Capital Finance is often used to provide cash to pay staff and suppliers while business is slow during the early weeks and months of a new practice, or during a period of growth. It is usually designed to be repaid in the short- to medium-term, once the practice is fully on its feet.

Growth Finance

Large-scale finance can be vital if you have major plans such as acquiring a competitor. Growth Finance is a type of lending that may be able to provide the solution. Lenders may require an established trading history and record of profits, but it may be possible to arrange Growth Finance based on your profit projections, rather than on your trading history.

Get our help finding the most appropriate lending for your needs.

Should you consider alternative business funding?

Alternative business funding, such as Crowdfunding and Venture Capital might appear attractive - but as an accountant, you will be fully aware of the drawbacks, which include high cost, delay and even loss of control. Fortunately, we can help you and your clients find better alternatives to Crowdfunding and Venture Capital, from the new generation of lenders who have a more flexible approach than traditional funding sources.

Another way that Rangewell can help you

As an accountant, you will have a growing number of clients who will be in need of business funding. At Rangewell, we can work with you to help your clients find the funding they need.

You retain full control. Introducing your clients to our service allows you to provide extra value to them and help move their business forward. We make no charge for our services - and acting as an introducer in this way can help your practice create an important additional source of revenue for you.

Find out more about acting as an introducer, and the additional revenue it could generate for you.

How we help you capitalise your accountancy practice

At Rangewell, our expertise works to bring you the financial solutions you need to capitalise your business, whether you want to fund capital expenses, working capital or growth. Finding the most appropriate solution for your funding needs takes a thorough understanding, both of the lending market and the products available on it.

At Rangewell we have the expertise you need. We know the lenders who can offer the most competitive rates for the accountancy profession. and we find solutions for all types of finance including Unsecured and Secured Loans, Invoice Finance, Asset Finance, Merchant Cash Advance, Commercial Mortgages, Growth Finance and more.

Whether you have a straightforward finance need, or require a more complicated ‘Jigsaw’ funding plan made up of a combination of products, we can work with you to find the answers that are right for your needs.

Call us now to get our experts working for you and your practice.


  • Find the most competitive loan to let a new accountant acquire partnership in a long-established firm

  • Help a find finance for a London practice to acquire a series of small provincial practices

  • Source a commercial mortgage to allow a small practice to buy the freehold of its office premises

  • Provide an additional income stream for a practice by helping it find a full range of funding for its clients

  • Help a arrange ‘jigsaw’ funding for two partners to buy an established practice when its owner was ready to retire

Call us



Discover our range of finances

Every type of finance for every type of business

Our goal is very simple - to help businesses find the right type of finance as quickly, transparently and painlessly as possible.

Helping you build your profits

  • Lending tailored to your practice
    At Rangewell we can help you find the most appropriate finance for any funding need your accountancy practice has.
  • Work with experts who understand your practice
    At Rangewell, our team includes qualified accountants. We understand your needs and the solutions to them.
  • Helping you and your clients
    If your clients have financial needs, we help you provide the solutions they need - supporting your professional approach.
  • An additional income stream
    By helping you find funding solutions for your clients, we can help you support them and their businesses - and create an additional income stream for you.
  • Releasing the value in your property
    We can help you release the value of property your business owns, allowing you to use your cash to invest again.
  • Specialist lenders
    Some asset funding providers specialise in particular sectors. At Rangewell, we can help you find the most appropriate lenders for the accountancy profession.

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Getting the right funding arrangement is essentialThere are many forms of business finance available. Getting the most appropriate type for your particular needs is essential to avoid excessive costs.
Your key equipment could be at riskIf you are unable to keep up repayments on a Hire Purchase or lease agreement, the equipment your practice depends on could be could be at risk.
Long-term financial commitments You may not be able to pull out of a finance arrangement once set up. This could present a problem if you change your business plans.

Our service is:


Transparent and independent, treating all lenders equally, finding the best deals.


Every type of finance for every type of business from the entire market - over 300 lenders.


Specialist Finance Experts support you every step of the way.


We make no charge of any kind when we help you find the loan you need.