Key Takeaways
- O-1 CPAs and accounting firm owners qualify on billable revenue
- Staff expansion, technology, and practice acquisition all funded
- SBA barred for O-1 holders since March 2026
- Accounting retainer revenue creates highly predictable MRR
- 48-hour decisions, no green card required
Accounting professionals with O-1 recognition — forensic accountants whose expert testimony has been recognized in major cases, international tax specialists whose methodologies are published and cited, or accounting innovators recognized by AICPA or international equivalents — build firms with predictable retainer and fee revenue. Monthly bookkeeping retainers, tax preparation fees, and CFO-as-a-service contracts create verifiable income. Bankable funds O-1 accounting and CPA firms on billable revenue — not immigration status. Check your Bankability Score.
What Accounting Firm Funding Covers
- Staff hiring: CPAs, bookkeepers, tax preparers, client success managers
- Practice acquisition: Buying a retiring CPA's client book
- Technology: Accounting software licenses, workflow tools, client portals
- Marketing: Niche specialization development, digital advertising, referral programs
- Working capital: Bridging tax season ramp-up costs and Q1 revenue peaks
- Continuing education: CPE credits, specialty certification, staff training
Client Book Acquisition
Acquiring a retiring CPA's client book is one of the most capital-efficient growth strategies in public accounting — you acquire recurring revenue immediately at 80-120% of annual fees. O-1 CPA firm owners seeking to acquire a book need $200K-$1M in capital. Bankable evaluates book acquisition financing against both the acquirer's existing revenue and the acquired book's trailing revenue history.
Tax Season Working Capital
Tax season creates a pronounced revenue concentration: 40-60% of annual revenue arrives in January-April. Year-round operational costs are constant. Revenue-based repayment means the heavy Q1 payments pay down the balance faster; off-season months carry proportionally smaller payments — aligning perfectly with accounting firms' seasonal reality.
Frequently Asked Questions
Yes. Bankable funds O-1 accounting firms on billable revenue. No green card required.
Yes. Client book acquisitions are a primary use of accounting firm funding from Bankable.
$25,000/month in accounting firm revenue with 6 months of history.
No. All funding is non-dilutive.
48 hours from complete application.
Yes. All SBA programs require 100% citizen/national ownership since March 2026.
Yes. CPA and bookkeeper payroll is a primary working capital use.
Up to $3M based on monthly billable revenue.
Yes. We evaluate trailing 12-month revenue to account for seasonal peaks.
Yes. Technology stack costs are valid working capital uses.