Today’s leading accountancy practices aren’t just balancing their clients’ books – they’re helping them grow, and in turn, helping themselves grow too. Commercial finance offers enormous opportunity as a way for practices to expand their services to drive new opportunities for both them and their clients.
Understandably, many accountants shy away from offering finance solutions, believing it falls outside their core remit and depth of knowledge – but helping clients access finance could be a strategic move that benefits everyone. At its heart, commercial finance is a growth enabler for accountancy practices with ambitious growth plans.
When a business secures funding – whether for expansion, investment in equipment, smoothing cash flow, or covering tax liabilities – it is setting itself up for future success. And a thriving, growing client naturally brings more complex accounting work – more transactions, new reporting requirements, business restructuring, and often additional advisory opportunities. In other words – when your client grows, so do you.
The commercial finance market has evolved significantly, and gone are the days when bank loans were the only option. Today’s businesses can access a vast range of finance products – unsecured loans, asset finance, invoice finance, VAT and tax funding, revolving credit, and more. Many of these solutions are more accessible and flexible than traditional routes, offering real lifelines for businesses trying to scale, invest, or simply manage volatile cash flow. However, navigating these options is not always straightforward for business owners – and this is where accountants can make a real difference.
How offering commercial finance benefits accountants
Stronger client relationships – providing access to finance advice cements your role as a trusted strategic partner, not just a compliance provider.
Business development – as clients grow, their need for more sophisticated accounting, tax planning, audit, and advisory services grows too.
New revenue streams – some practices choose to charge for finance sourcing services, or receive a commission.
Competitive edge – offering commercial finance solutions sets you apart from firms that still operate in a purely transactional way.
With recent changes to legislation around commission disclosure, it’s more important than ever that clients are made aware of any commission arrangements linked to their finance solutions. Being transparent isn’t just a regulatory requirement, it’s an opportunity to reinforce your role as a trusted advisor. By ensuring clients have a clear understanding of any commission, you help build even greater confidence and loyalty in your relationship, while also protecting your practice’s reputation.
Rather than building an in-house finance function, many accountants partner with independent commercial finance brokers, giving clients access to a wide panel of lenders without conflict. This approach lets you enhance your service offering without adding significant cost or risk to your practice.
At Able Commercial Finance, we work closely with accountants across the UK, acting as a trusted, knowledgeable extension of their team. Together, we can help your clients access the funding they need to thrive, while helping you build deeper, more valuable client relationships.
Looking to bridge the gap and strengthen your client services? Contact us today to find out how we can work together.
