Should accounting firms apply during tax season?

Yes, applying during or immediately after tax season (January-April) means your bank statements show peak revenue, which can result in higher funding amounts and better terms.

Do year-round accounting firms get better rates?

Generally yes. Firms with consistent monthly revenue from bookkeeping, payroll, and advisory services demonstrate lower repayment risk and typically receive more favorable factor rates.

Can tax preparation-only firms qualify?

Yes, but with caveats. Underwriters evaluate whether seasonal revenue is sufficient to fund operations and repayment year-round. Some funders offer seasonal repayment structures for tax-focused firms.

Home/Industries/Accounting & Tax

68-82% Approval Rate

Accounting & Tax MCA Funding

Accounting and tax preparation firms have a unique revenue pattern — heavy seasonal income during tax season with steadier bookkeeping and advisory revenue throughout the year. Firms with year-round services are strong MCA candidates.

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68-82%

Approval Rate

$10,000 - $200,000

Typical Funding

1.20-1.40

Factor Rate

Medium Risk

Risk Level

What Underwriters Look For

Year-round bookkeeping and advisory revenue

Seasonal tax preparation revenue patterns

Recurring client relationships and monthly retainers

Professional licensing and CPA credentials

Consistent deposits outside of tax season

Common Red Flags

Revenue drops to near-zero outside tax season (Jan-April)

Dependence on seasonal tax preparation without year-round services

Loss of major corporate clients

Pending professional licensing issues

Tips to Improve Your Qualification

Build year-round revenue through monthly bookkeeping and advisory services

Show consistent deposits across all 12 months, not just tax season

Document recurring client retainer agreements

Apply during or just after tax season when deposits are strongest

Maintain current CPA or EA licensing credentials

Industry Insight: Accounting & Tax

Accounting and tax firms face a distinctive MCA challenge: extreme seasonality. Tax preparation generates 40-60% of annual revenue between January and April, with the remainder of the year relying on bookkeeping, payroll, advisory, and consulting services. Underwriters must evaluate whether the firm generates sufficient year-round revenue to support MCA repayment.

Firms that have built strong year-round service offerings — monthly bookkeeping, payroll processing, CFO advisory, business consulting — are the strongest MCA candidates because they demonstrate consistent monthly revenue. Tax-only firms can still qualify, but they should apply during tax season when bank statements are at their strongest, and they may receive different repayment structures that account for seasonal revenue patterns.

Frequently Asked Questions

Check Your Accounting & Tax Qualification

Upload your bank statements anonymously and get an instant underwriter-grade analysis. See exactly how your accounting & tax business file looks — no credit pull, no broker, no one contacts you.

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