All sectors

Sector — Professional Services

Capital sized to partner-led, fee-driven economics.

Law firms, accountants, consultancies, agencies and clinics — partner buy-ins, WIP financing, premises and PI. We orchestrate funders fluent in fee-income models, regulated structures and partner equity dynamics.

  • Firms served

    240+

  • Partnership desks on panel

    18

  • Avg ticket

    £500K – £8M

  • Time to facility

    11 days

Pillars:Business Asset Property

Where are you?

Pick the path that looks like you.

Each branch maps to the playbook the desk would actually run for you — not a generic funnel.

Partner buy-in / promotion

You're being promoted to partner (law, accountancy, consulting) and need £100k–£1m for the capital contribution.

Recommended play

Partner buy-in loan with profession-specific lenders

  • Lenders that price off projected partner drawings, not historic salary.
  • Tenor matched to expected partnership track length.
  • Co-ordination with firm finance team as standard.
Open a partner briefing

Pro Services Pulse

Lender appetite, pro services edition

Live signals from the desk. Last refreshed .

  • business

    Two clearing banks · Working capital RCF

    Margins held; covenants softened

    Leverage covenants relaxed by 0.25x for £5m+ revenues with audited accounts.

  • business

    Alt-fintech lender · Revenue-based finance

    Pulled appetite for hospitality

    Second consecutive quarter of arrears uptick in casual dining cohort.

  • asset

    Captive OEM finance · Heavy plant + yellow metal

    0% interest on 36-month deals to £250k

    Manufacturer subsidy to clear Q1 stock. Closes 30 June.

  • asset

    Independent funder · Soft asset finance (tech)

    Min ticket lifted to £25k (was £10k)

    Re-focusing on mid-ticket; sub-£25k routed to platform partners.

  • business

    Two private credit funds · Unitranche £10m+

    Tightened pricing 50–75 bps

    Competing aggressively for sponsor-backed mid-market refis ahead of June.

Pro Services Co-pilot

Ask anything. Scoped to professional services.

Grounded in 1X Financial's pro services field notes — never the open web. No fabricated lenders, no invented rates.

Funding Map

Typical £3m professional-firm working-capital + premises

Indicative shape for a 30-partner firm taking new premises while smoothing WIP cycles.

Day 1Practical completion
  • Owner-occupier mortgage45%

    Base + 1.95–2.75%

    Commercial mortgage on the firm's premises.

  • WIP / invoice line30%

    Base + 2.5–3.5%

    Confidential discounting against billed and unbilled work.

  • Capex / asset finance15%

    5.9–8.9%

    Fit-out, IT and AV financed separately.

  • Partner contributions10%

    Capital account

    Partner equity from existing capital accounts.

Deal Anatomy — Pro Services

Anonymised live cases we've actually closed.

The structure, the lenders shortlisted, why it closed — and what nearly killed it.

See full anatomy
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Pillar
Ticket

2 of 2 cases

  • business£3.2m

    £3.2m unitranche refi for SaaS founder — saved 320 bps vs incumbent

    Founder-led SaaS, £4.1m ARR, EBITDA-positive

    Saved £104k pa in interest; covenants reset to 3.5x net leverage.

    Closed in

    5 weeks

    Shortlisted

    5

    Layers

    2

    Full anatomy
  • asset£420k

    £420k of yellow-metal across 3 captives — saved sponsor 7 months

    Civils contractor, 32 staff, £8m turnover

    Blended cost down 180 bps; sponsor kept working capital intact.

    Closed in

    9 working days

    Shortlisted

    6

    Layers

    3

    Full anatomy

Pro Services scenario lab

Pre-loaded with deals we actually do.

Pick a preset that matches your deal — then drag to stress it. Same model the desk runs in pre-credit calls.

Blended cost of capital

7.65%

Annual debt service

£19,125

DSCR

21.96×

Equity required

10% · £25,000

Indicative only. Real pricing reflects sponsor profile, asset, jurisdiction and current lender appetite.

Your stack

The capabilities professional services actually use.

Each links into the full capability page — pricing, ticket, partners and live appetite.

Engage the desk

Bring us a live deal — we'll come back inside 48 hours with a shortlist.

Briefings are free. Architecture calls are free. The first lender shortlist is free. You only ever pay on completion.

Open a pro services briefing