Reviews from Businesses like Yours
The UK has more than 40,000 registered accountancy firms operating
in a sector worth over £22 billion annually. For most practices,
cash flow pressure is persistent — payroll, software subscriptions, and
membership and compliance costs fall on fixed cycles while client
fees often arrive quarterly or after project completion.
Accountancy Business Funding Advance
Got Capital provides unsecured business funding advances from
£2,000 to £300,000 for accountancy firms, bookkeeping practices,
and financial advisory businesses across the UK. A funding decision
is made in as little as one hour, with funds in your account within
24 hours. No personal guarantee is required.
Why Accountancy Firms Need Flexible Funding
Accountancy practices face a structural cash flow challenge that is easy to overlook from the outside. Revenue is real and recurring — but it does not always arrive in line with costs. Payroll runs monthly. Software licences — cloud accounting platforms, tax tools, anti-money laundering systems — renew on fixed cycles. Professional indemnity insurance premiums, and ICAEW, ACCA, CIMA, or AAT membership fees all fall regardless of when clients pay.
The timing mismatch is particularly acute in January and April — peak periods for self-assessment and year-end accounts — when workload and staffing requirements increase, but fee income for that work may not materialise until later. A business funding advance gives accountancy practices the working capital to meet those costs on time, without waiting for client fees to clear.
£2,000 – £300,000
Available Funding
1-Hour Decision
Once All Documents Received
Funds in 24 Hours
Once Approved
No Personal Guarantee
Never Required
Common Uses for Accountancy Business Funding Advances
A Got Capital advance gives accountancy practices the working capital to cover operational costs and invest in growth:
- Payroll and staff costs during periods of uneven client payment timing
- Cloud accounting software, tax compliance platforms, and practice management systems
- Professional indemnity insurance renewals, and ICAEW, ACCA, CIMA, or AAT membership fees
- Office refurbishment, relocation, or fit-out for new premises
- Hiring and onboarding new staff, including training and qualification support
- Marketing, website development, and digital lead generation
- Bridging cash flow gaps during self-assessment season and year-end peaks
- Technology upgrades including HMRC Making Tax Digital compliance requirements
Fund Your Business in 3 Easy Steps
Fund Your Business in 3 Easy Steps
1
Submit your funding application below
2
Agree on an offer for business funding
3
Receive funds fast into your bank account
Working Capital Up To £300K
We work alongside all of our clients to ensure funding is deployed fast and when it is needed, helping to supporting long-term operational health and sustainable business growth.
No Personal Guarantee
You are not required to provide a personal guarantees to qualify for a business funding advance, so there is no need to risk your personal property when you are looking to grow your business.
Apply with Any Credit Score
We determine your eligibility for funding based on intelligent models developed by Got Capital; your credit score alone should never be a barrier to receiving the money that your business needs.
We determine your eligibility for funding based on intelligent models developed by Got Capital; your credit score alone should never be a barrier to receiving the money that your business needs.
Custom Payoff Plans
Should you no longer need funding, you may be eligible to return the remaining balance at a discounted rate, dependent on the condition of your account and repayments performance.
Am I Eligible?
✓ UK-registered business
✓ Minimum 3 months’ trading history
✓ Minimum £5,000 monthly revenue
✓ No personal guarantee required
✓ All credit histories considered — decisions based on business health
✓ Available to sole practitioners, small firms, and mid-sized practices
FREQUENTLY ASKED QUESTIONS (FAQs)
Yes — Got Capital provides advances suited to accountancy firms, bookkeeping practices, and financial advisory businesses. Your business needs to be UK-registered, have been trading for at least 3 months, and generate a minimum of £5,000 monthly revenue. Decisions are based on business health, not personal credit score, and no personal guarantee is required. Advances range from £2,000 to £300,000, with funds in your account within 24 hours.
Got Capital can issue a decision in as little as one hour. Once agreed, funds are typically in your business account within 24 hours. No business plan, no detailed accounts, no personal guarantee — the entire process is completed online.
Yes — there are no restrictions on how the funds are deployed within your business. Accountancy firms commonly use a Got Capital advance to invest in cloud accounting software, Making Tax Digital compliance systems, practice management tools, and cybersecurity. Technology investment directly supports capacity and client service — without waiting for cash to accumulate from fees.
A traditional bank loan accrues interest over the loan term, with fixed monthly instalments on a set schedule. Got Capital’s advance works differently: a single, fixed factor fee is agreed upfront — you know the full cost before you commit. There is no interest, no variable rate, no fixed monthly instalments. You settle the advance as a proportion of future revenue. No personal guarantee is required.
No. Got Capital does not require a personal guarantee from any business seeking funding. Your personal collateral is never used as security, in order to secure your business funding advance.
Yes — a Got Capital advance is specifically designed to work with businesses that have uneven income patterns. Settlement is structured as a proportion of your future revenue. This makes a Got Capital advance particularly well suited to accountancy practices where fee income is concentrated around self-assessment deadlines and year-end periods.
Yes. Many of the accountancy firms funded by Got Capital have previously been declined by a high street bank. Banks assess applications primarily on credit scores, security, and rigid eligibility criteria. Got Capital assesses the health of your business — your revenue, trading history, and operations. If your practice generates at least £5,000 per month, has traded for at least 3 months, and is UK-registered, your application will be reviewed on its own merits. Previous bank declines are not a barrier.
Apply for Business Funding Today
Apply for Business Funding Today