Banks struggle to value goodwill, recurring fee income, and client books. The right lenders understand professional service revenue. We find them and build the submission that works.
Most of a professional practice's value sits in client relationships, recurring fee arrangements, and practitioner reputation. Not tangible assets. Most lenders struggle with this. We frame goodwill correctly with a retention risk analysis that gives lenders confidence.
Professional firms frequently operate through partnerships, professional corporations, or discretionary trusts. Income flows, distributions, and serviceability calculations require careful structuring to reach desk-level approval rather than committee escalation.
Three clients representing 60% of revenue will concern a generalist lender. We address concentration risk proactively with client tenure data, fee agreement terms, and contract structures that contextualise the exposure before the analyst asks.
Advisory revenue mixes retainers with project-based engagements. Lenders who understand annuity-style income value it at a premium. Lender selection here is as important as any other part of the submission.
Purchasing an accounting practice, law firm, financial planning book, or consulting business. Full credit narrative built around client retention risk, fee quality, and the acquirer's professional track record.
Finance for the intangible component of a practice acquisition. Structured to reflect the actual revenue risk profile, not a generic percentage of the purchase price.
Buying out a retiring partner or restructuring equity in an existing practice. We manage the credit submission alongside the legal and structural changes to keep the timeline aligned.
Refurbishing offices, moving to new premises, creating a client-facing environment that reflects your firm's positioning. Structured to match your lease term and depreciation strategy.
Practice management platforms, legal technology, financial planning software, IT infrastructure. 2-5 year terms matched to technology refresh cycles.
Bridge the gap between work-in-progress and debtor collection. For firms with extended payment terms or project-based billing that creates uneven monthly cash flow.
Krishna understands how lenders assess professional service revenue. Income structures, goodwill dynamics, and the credit narrative that separates a fast approval from a lengthy committee process.
Confidential · No Credit Impact