Typical funding range
$15,000 – $200,000 — that's the band most accounting and cpa firms in Texas 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 Texas 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 Texas 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 Texas 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 Texas?
- 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 Texas 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.