Should a Florida CPA firm MCA or use a professional-services LOC?

LOC almost always wins. Most banks offer professional-services LOCs at 8-15% APR with prime + 1-3 pricing. For CPAs and accountants, banking relationships often unlock these. MCA at 1.30+ factor is the last resort.

How does Q1 revenue concentration affect MCA underwriting in Florida?

Funders that understand the cycle (Greenbox, Credibly) accept it. Provide 12 months of statements showing the Q1 spike, then trough; underwriters can adjust the daily ACH to account for the seasonal pattern.

Can a solo Florida CPA practice qualify?

Yes — solos are funded routinely if monthly revenue is $15K+ and credit is 600+. The bigger question is whether MCA is the right tool — for solo practitioners, LOC is almost always cheaper and more flexible.

Accounting and CPA Firms funding in Florida — what to expect in 2026

Florida accounting and CPA firms have predictable Q1 revenue spikes, knowledge-worker payroll, and client AR that's almost always collectible. Funders that understand the business cycle price favorably.

Typical funding range

$15,000 – $200,000 — that's the band most accounting and cpa firms in Florida fall into. Deals smaller than $10K are uncommon (the math rarely works for the funder). Deals over $250K typically require stronger profiles or collateral.

What funders look for

Most funders require 12+ months operating
Monthly revenue floor: $15,000
Credit scores 600+ get A-paper terms
Professional service AR is highly factor-able — most funders prefer this over MCA for AR-driven cash gaps

What to bring to the application

The faster you can ship these to a funder, the faster you close. Most underwriting decisions for accounting and cpa firms in Florida happen in 2–4 hours once docs are complete.

Last 3-6 months of business bank statements
Voided business check
Driver's license for the majority owner
Industry-specific documentation (licensing, certifications) if applicable

The math

A typical accounting and cpa firms deal in Florida lands at a factor rate between 1.25 and 1.42. On a $50,000 advance at 1.32, you'd repay $66,000 over 9–12 months — about $260–$305/day in ACH. Our factor rate calculator lets you plug in your own numbers.

Frequently asked questions

Should a Florida CPA firm MCA or use a professional-services LOC?: LOC almost always wins. Most banks offer professional-services LOCs at 8-15% APR with prime + 1-3 pricing. For CPAs and accountants, banking relationships often unlock these. MCA at 1.30+ factor is the last resort.
How does Q1 revenue concentration affect MCA underwriting in Florida?: Funders that understand the cycle (Greenbox, Credibly) accept it. Provide 12 months of statements showing the Q1 spike, then trough; underwriters can adjust the daily ACH to account for the seasonal pattern.
Can a solo Florida CPA practice qualify?: Yes — solos are funded routinely if monthly revenue is $15K+ and credit is 600+. The bigger question is whether MCA is the right tool — for solo practitioners, LOC is almost always cheaper and more flexible.