Finance for professional services firms: business loans, IT & office funding

Professional services firms, including law firms, accountancies, consultancies, architects, and marketing agencies, can access unsecured and secured business loans for growth capital or working capital; asset finance for IT infrastructure, office fit-out, and company vehicles; commercial mortgages to purchase office premises; and invoice finance where the firm has a significant volume of B2B invoices on credit terms.

Yes. Professional services businesses with strong, recurring fee income and clean credit are well-regarded by business lenders. Unsecured loans of up to £250,000–£500,000 are available to established firms without requiring property as collateral. For larger sums, a charge over commercial property may be required. As an independent broker, we compare 100+ lenders to find the best rate for your specific firm.

Office fit-out, including partitioning, flooring, AV equipment, furniture, and air conditioning, can be financed using asset finance. Many lenders treat fit-out as a bundle of assets and will fund the full project cost over a 2–5 year term. Alternatively, an unsecured business loan can cover fit-out costs without requiring the assets as security.

Yes. Law firms, accountancy practices, consultancies, and other professional services businesses can access commercial mortgages to purchase office premises. Owner-occupier rates are generally more favourable than investment property rates. LTVs of up to 70–75% are available for strong businesses, meaning a 25–30% deposit or equity is required.

Unsecured business loans can often be approved and funded within 24–72 hours for established firms with clean credit and current financials. Commercial mortgages take longer, typically 4–8 weeks, due to property valuation and legal requirements. Asset finance for IT or fit-out is usually approved within 48 hours.

Many lenders require a personal guarantee (PG) for unsecured business loans, particularly for LLP and limited company structures where directors are not personally liable. The PG requirement varies by lender and loan size. We will advise you on which lenders require personal guarantees, on what terms, and whether there are alternative structures that reduce your personal exposure.