Accounting Firm Finance
Purpose-built funding for accounting practices. Acquisition finance, partner buy-ins, succession planning, and working capital solutions structured around recurring fee income.
Key Features
EBITDA-Based Lending
Leverage up to 3.75x normalised EBITDAE for acquisitions
Partner Buy-In
Structured funding for partnership entry and equity purchases
Succession Finance
Support for practice succession and ownership transitions
Interest-Only Options
Interest-only periods available at appropriate leverage levels
Recently Funded Deals
See what's possible with the right finance solution
*Based on real deals settled by Andorra Private. Details may be generalised for confidentiality.
Unregistered MIS — Industrial Warehouse Portfolio
The Scenario
A property syndicate structured as an unregistered managed investment scheme sought finance to acquire a portfolio of large industrial warehouses in regional Victoria.
The Challenge
The syndicate required non-recourse lending with no directors guarantees — a structure many lenders are unfamiliar with. Loan documentation needed to reflect the MIS trust structure correctly, requiring coordination between the client, their solicitor, and the bank's solicitor.
The Solution
We identified a major bank willing to provide a lease-doc facility on a non-recourse basis. We then worked closely with all parties — the client, their legal counsel, and the bank's solicitors — to ensure the loan contracts correctly reflected the trust structure and that no personal guarantees were required.
The Outcome
The facility was successfully arranged with a major bank. The syndicate acquired the warehouse portfolio with no directors guarantees, and all loan documentation was executed correctly on the first pass.
Non-Recourse
Structure
None
Guarantees
Lease-Doc
Facility Type
Major Bank
Lender
Client Testimonials
Hear from our satisfied clients
“Nick as a broker is part of my dream team for not only residential but especially commercial lending and has been nothing short of brilliant! Always calm under pressure and gets the job done. Very proactive and knowledge far superior to other brokers I've worked with. He's also got another option up his sleeve to ensure you achieve your goals. Absolutely no hesitation in recommending Nick for all things finance. Do yourself a favour and have a preliminary chat with Nick.”
Rachael
Commercial Lending
“Nick is an absolute gun at his job. I've been through many brokers over the years, and he is by far the best I've worked with. His knowledge in the commercial space is second to none, and the way he handles the process is completely seamless.”
P
Commercial Finance
“Nick is super professional and highly competent in his craft. He guided me with credible lending options and advice during my commercial property purchase journey. Highly recommended.”
ADS Rawal
Commercial Property
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Start ApplicationFinance for Professional Practice Growth
Accounting practices have predictable, recurring revenue streams that make them attractive for acquisition finance. Specialist lenders assess practices on normalised EBITDAE (Earnings Before Interest, Tax, Depreciation, Amortisation, and principal Equity drawings) rather than traditional metrics.
This approach recognises the value of fee-based businesses with strong client retention. We arrange finance that supports practice acquisitions, partner entries, and succession planning.
Acquisition and Buy-In Structures
Acquisition funding is available at up to 3.75x normalised EBITDAE for qualifying practices. Interest-only arrangements can be structured at lower leverage (typically 2.5x normalised EBITDA) to support cash flow during transition periods.
Minimum criteria typically include $1.5M+ recurring revenue and at least two qualified accountants. Practices meeting these thresholds access favourable terms from specialist professional services lenders.
Succession and Working Capital
Succession planning is critical for accounting practices. We structure finance that supports retiring partners selling equity to incoming partners, management buyouts, and staged ownership transitions over multiple years.
Working capital facilities support practice growth, covering the gap between work performed and fees collected, funding compliance season peaks, and supporting investment in technology and staff.
Discuss Your Accounting Firm Finance Needs
Our team specializes in finding the right lending solution for your unique situation. Get expert advice today.
Frequently Asked Questions
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