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Business Loans for Professional Services Firms

Professional Services Loans UK

Accountancy and professional services firms face unique cash flow challenges. Project-based billing creates revenue gaps, while investments in people and technology are needed constantly. Elect Capital provides fast, unsecured funding so you can hire, invest, and grow without waiting for your next big invoice to clear.

Step 1 of 3

How much funding do you need?

£25,000£750,000

Applying is free and won't impact your credit score

4hrs
Fastest approval time
£750k
Maximum funding amount
Same Day
Funding available
0
Hard credit checks
Industry Challenges
The Funding Challenges You Know Too Well
We understand the unique financial pressures of your industry. Here's how Elect Capital helps.
Uneven cash flow from project-based billing
Large engagements finish and new ones take time to start. Working capital smooths the gaps between major project completions and new client onboarding.
Technology and software investment
Accounting software, CRM systems, and cloud infrastructure are essential but expensive. Fast funding covers tech investments that improve efficiency and client service.
Hiring ahead of growth
Winning new clients means hiring qualified staff first. Working capital covers recruitment, salaries, and training costs while new revenue ramps up.
How It Works
Three Simple Steps to Get Funded
No branch visits. No weeks of waiting. Just a fast, transparent process built for business owners who value their time.
1. Apply in 2 Minutes
Complete a short online form with your basic business details. No paperwork, no branch appointments, and zero hard credit pull during the application.
APPROVED
2. Same-Day Decision
We evaluate your business revenue and trading history, not just a credit score. Apply before 2pm and receive an offer the same business day.
£
24,500
274,500
3. Funds in Your Account
Accept your offer, and capital arrives in your business account, often within hours. No waiting weeks for bank approvals.
Our Products
Funding Solutions That Fit Your Business
Every business has different capital needs. Whether you need to bridge a cash flow gap, invest in growth, or cover an unexpected cost, we have a product built for you.
Eligibility
Quick Check: Do You Qualify?

Most established UK businesses in your sector qualify. We look at your revenue and trading history, not just a credit score.

12+
Months in business
£25k+
Monthly revenue
£750k
Funding available
Funded
£125,000
Restaurant & Hospitality
ManchesterOct 2025
Funded
£85,000
E-commerce & Retail
LondonNov 2025
Funded
£250,000
Manufacturing
BirminghamDec 2025
Funded
£60,000
Healthcare
EdinburghJan 2026
In Practice
How Businesses Like Yours Use Elect Capital
Hiring Before Year-End Rush
A mid-size accountancy practice needed three qualified staff before the January self-assessment deadline. Elect working capital covered recruitment fees and salaries during onboarding, and the additional fee income covered the cost within two months.
Practice Software Migration
A firm of 25 people needed to migrate from legacy software to a cloud platform. The upfront licensing and implementation costs were significant. Elect funded the transition, and the efficiency gains reduced admin time by 30%.
Client Book Acquisition
A growing chartered accountancy practice had the opportunity to acquire a retiring sole practitioner's client book. Elect funded the acquisition quickly, and the additional recurring fees provided a strong return within the first year.
FAQ
Common Questions
Yes. Elect Capital funds UK-registered accountancy firms, consultancies, and professional services businesses that have been trading for 12+ months with £25k+ monthly revenue.
Yes. Cloud accounting software, practice management tools, cybersecurity, and IT infrastructure are all common uses of our professional services funding.
Yes. We fund both limited companies and partnerships. The key criteria are trading history, revenue, and UK registration.
Eligible professional services firms can access between £25,000 and £750,000. The amount is based on your monthly revenue and overall business performance, not the size of your balance sheet.
No. Elect Capital does not perform a hard credit check during the initial application. You can apply and receive an offer without any impact on your personal or business credit file.
Apply before 2pm and you can receive a decision the same business day. Once you accept an offer, funds are typically transferred within hours. Many firms are funded the same day they apply.
Yes. Tax and VAT payments are an eligible use of working capital from Elect Capital. Avoid HMRC late payment penalties by ensuring your tax obligations are met on time, even when cash flow is temporarily tight.
Absolutely. Recruitment fees, signing bonuses, training costs, and early salary payments for new hires are all common uses. Growing headcount before new client revenue ramps up is exactly the kind of challenge Elect is designed to solve.
Yes. Deposits, fit-out costs, equipment for a new office, and the operational costs of getting a new location up and running are all eligible uses of working capital.
The application is straightforward. You'll need your company registration number, basic business details, and recent bank statements. There are no lengthy business plans or financial projections required. Most applicants complete the form in under two minutes.
No. We fund a wide range of professional services businesses including chartered accountancy practices, bookkeeping firms, tax advisory firms, management consultancies, and business support providers. The key criteria are UK registration, trading history, and monthly revenue.
The Elect Difference
Why Business Owners Choose Elect
We're a dedicated lender built from the ground up to serve UK SMEs with speed, transparency, and a human touch.
Transparency
Clear terms, no hidden fees, and open communication at every step. You'll always know exactly what you're signing up for before you commit.
Innovation
We use revenue data and cash flow analysis, not outdated credit models, to make funding decisions. Smarter underwriting means faster approvals.
Empowerment
Our UK-based team works directly with you. No call centres, no being passed between departments. One advisor, one relationship, one goal: getting you funded.
Work directly with Elect Capital. No matter your goal, our in-house funding advisors can help you find the right financing solution for your business.
Apply Now
Choose Elect.
Choose Growth.
Capital that moves as fast as you do. One click away from the next opportunity.
Apply NowPartner With Us
Elect Capital
hello@electcapital.com+44 20 8050 2023

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Elect Capital is a trading name of Elect Capital UK Limited, registered in England and Wales with company number 16106576 and registered address: B1 Vantage Business Park Old Gloucester Road, Bristol, Gloucestershire, England, BS16 1GW. Registered with the Information Commissioner's Office in relation to the processing of personal information, registration number ZB842935. We pay commission to other credit introducers for referring new customers. The commission amount may vary depending on the product, or other permissible factors.

Elect Capital UK Limited provides business funding solutions to UK SMEs, operating transparently in accordance with applicable laws and regulations.

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