Practice Finance
Established in 1995, we are an independent finance provider authorised and regulated by the Financial Conduct Authority. With decades of experience, we offer the reassurance of working with a trusted and knowledgeable team.
We lend our own capital, are not part of a large corporate group, and do not operate through call centres. Instead, you deal directly with real people who are committed to helping your business grow.
Finance Options
For Your Professional Practice
Professional practices are built on strong relationships and trust. We believe your finance provider should offer the same.
At County, we take pride in working closely with our clients, taking the time to understand you, your business, and your long-term goals. Because we lend our own funds and decisions are made directly by experienced people you can speak to personally, we are able to provide fast, straightforward responses to applications.
Our approach to lending — direct, responsive, reputable, and personal — is particularly well suited to professional practices. As a result, we have built long-standing relationships with a growing number of solicitors, accountants, doctors, vets, and dentists.
We provide fixed repayment unsecured loans to support:
- Practice expansion
- Practice acquisitions
- Working capital requirements
- Office refurbishment and improvements
- VAT and tax liabilities
- Partner entry and exit arrangements
- Medical and veterinary equipment purchases
Unsecured Professional Loans
Our Unsecured Practice Loan product is available to firms of all sizes.
The application process is simple, there is no need to provide business plans or forecasts and decisions are usually made within 24 hours.Loans from £5,000 to £200,000 can be applied for, are competitively priced, fixed rate and available over periods of up to 60 months.
They can be provided for any purpose, including additional working capital, Vat, Tax or disbursement funding and payment is made directly in to your practice account ensuring complete confidentiality.
VAT Funding for the Professions
Our VAT funding scheme can be used to fund just one quarters liability, or we can provide a rolling facility to accommodate each quarter for a twelve month period, on quarterly drawdowns.
This competitively priced product offers clients the opportunity to spread the cost of high quarterly payments over fixed monthly instalments, whilst taking advantage of one month’s repayment holiday at the beginning of the agreement.
As with the medium term practice loans, the application process is simple and funds released directly in to your office account ensuring confidentiality.
Tax/PII and Practice Certificate Funding
We provide straightforward, fixed-rate unsecured loans over terms of 6 to 12 months, specifically designed to help professional practices manage tax liabilities, including self-assessment and corporation tax payments.
Our funding solutions can also assist with the cost of professional indemnity insurance, liability insurance premiums, and practising certificates, helping you spread essential annual expenses and manage cash flow more effectively.
The application process is simple and mirrors that of our other finance products and bespoke facilities. Finance decisions are made quickly — typically within 24 hours — and our flexible, relationship-led approach allows us to consider each application on its individual merits.
Finance by Industry
At County Finance Group, we have extensive experience in providing finance solutions for a wide range of professional practices, including law and accountancy firms, dental and medical practices, and veterinary clinics. We understand the unique challenges these businesses face, from seasonal cash flow fluctuations to ongoing investment in specialist equipment and facilities.
As an independent finance provider, we are able to offer fast decisions and quick turnaround times on finance applications. Our flexible approach allows us to tailor funding solutions to meet the specific needs of your business.
Our Practice Finance facilities have supported clients with everything from quarterly VAT funding and equipment upgrades through to complete practice acquisitions, helping professional firms grow, invest, and manage cash flow with confidence.
Areas where we are able to offer financial assistance for accountants include:
- Tailor-made finance solutions for Accountants to maintain cash flow and working capital levels
- Loans to assist with meeting HMRC commitments such as Tax and quarterly VAT funding
- Financing options for office expansion, refurbishment, equipment, software and systems upgrades
- Finance for practice acquisitions, with fast decisions on loan applications for a smooth exchange
Our expertise offering custom finance solutions for lawyers covers:
- Unsecured practice loans for lawyers to help achieve business goals and realise growth for their practice
- Case funding, WIP funding and Disbursement funding to allow firms to pay ongoing expenses and maintain cash flow
- Cost-effective finance solutions for Professional Indemnity Insurance, Practice Certificate funding and VAT funding
- Loans to finance Office Refurbishment, Relocating, purchasing Equipment, IT systems and Telecommunications
Our unsecured professional loans can help veterinary practices with the following:
- Finance for equipment such as CT scanners, anesthesia machines, x-ray machines, theatre lighting, surgical furniture and company vehicles
- Flexible asset finance including lease finance, refinancing and hire purchase options for equipment purchases
- Fast decision making for finance applications facilitating practice acquisition, relocation or partnership buy-in/out
- Assistance with practice expansions and refurbishments as well as office, IT systems and Employee Training
Covering finance for dentists, orthodontists and dental labs with various options available:
- Unsecured practice loans to invest in surgery upgrades, fitouts and refurbishments
- Loans for equipment purchases and upgrades such as dental treatment units, operating lights, instruments and surgery furniture
- Finance to facilitate the acquisition of a new practice, partner buy-in/out, practice relocation, merger or expansion
- Assistance financing office set up or upgrades, IT systems, computer hardware, software installation and employee training
Our flexible finance options are key in this sector and can assist in many areas:
- Funding for medical equipment such as diagnostic equipment, surgical instruments and specialist beds
- Financial assistance to cover annual tax liabilities as well as finance for liability and professional indemnity insurance
- Assistance in financing surgery acquisitions, mergers, partner buy-in/outs and relocations
- Loans for practice refurbishment, office equipment, hardware and software upgrades and telecommunications
Our finance expertise is not limited to these specific industries:
- Flexible asset finance options have assisted clients to purchase assets ranging from vehicle fleets to industry-specific, specialist machinery
- As an independent finance company we are well-placed to consider all manner of finance requests, even if they fall outside the ordinary
- With up to 70% repeat client rate, our fast turnaround and flexibility has led to our clients returning time and time again for their finance needs