Professional services business finance
Accountants, consultants, agencies, law firms, architects. Asset-light, project-led; mainstream unsecured term loans dominate. Often LLP or partnership structures.
Cash-flow shape
Steady but project-led. Long sales cycles. Cash bunching at end of fee-stage milestones. WIP funding gaps for fixed-fee work.
Products that fit
- Unsecured term loans
- Flexi-loans / lines of credit
- Asset finance for IT and equipment
- Working-capital terms for hiring cycles
Lenders we route to
- Funding Circle
- iwoca
- Allica Bank
- High-street banks for partnerships
Typical decline reasons in this sector
- Partnership / LLP structure underwritten differently
- Practising-certificate gaps (legal, accountancy)
- PI insurance gaps
Run the matcher
Open professional services eligibility checker →Last reviewed: 2026-04-26.