About
Specialist understanding.
Whole-of-market access.
Professional Practice Loans understands not only lending products, but the commercial and cash-flow pressures unique to professional firms.
Who we are
One specialist conversation. A whole market of funding options.
Professional Practice Loans is a specialist advisory and brokerage service for professional practices. It is operated by Smart Funding Solutions, a whole-of-market commercial finance broker based in Chester.
We are a broker, not a lender. We aren't tied to one lender or one product. We assess the transaction, understand the pressure point behind it, and search the whole of the market for the most appropriate funding.
Professional businesses aren't ordinary businesses. They have different income profiles, ownership structures and acquisition dynamics to conventional SMEs, and lenders who understand those dynamics exist across the market. Our job is to find them, structure the case and present your firm to them properly.
Why a specialist
Professional practices are not ordinary businesses.
A law firm can be highly profitable and still short of cash because its fees are locked up in work in progress and unpaid bills. An accountancy practice grows by buying fee blocks priced on recurring income. A dental or veterinary practice is valued on goodwill and patient relationships rather than bricks and machinery. A partnership changes shape every time a partner joins or retires.
These are the situations generalist finance handles badly. Lenders who understand them exist across the market, from high-street and challenger banks to specialist professions lenders, asset finance houses and premium finance providers, but they rarely sit in one place and their appetite changes over time.
Our role is to understand the pressure point behind the request, work out how the funding should be structured, and put the case in front of the lenders most likely to support it.
How we work
Four principles.
Whole of market
We are not tied to any lender or product. Because we search the whole of the market, the recommendation follows the practice’s needs, not a panel’s limits.
The transaction first
We start with what you are trying to achieve and how the practice earns and spends, then decide which kind of finance fits. See how it works.
Plain English
Options are set out clearly, including the trade-offs, so partners and directors can decide with confidence. How we are paid is explained in our footer and before you proceed.
Alongside your advisers
We are a finance broker, not a tax, legal or accounting adviser. We work alongside your accountant and solicitor, who advise on the structure and documents.
Who we work with
Seventeen professions. Every stage of ownership.
We work with sole practitioners, partnerships, LLPs, limited companies and groups across the professions, from associates buying their first share of a practice to owners planning their exit.
A UK-wide service
Local insight. National reach.
Based in Chester, we work with professional practices throughout the UK.
Professional Practice Loans
Specialist understanding. Whole-of-market access.
Professional finance arranged through an established commercial finance brokerage.
Established brokerage infrastructure
Professional Practice Loans combines specialist understanding of professional-practice funding with access to a broad commercial finance market.
The service is operated by Smart Funding Solutions.
Smart Funding Solutions is a trading style of Smart Funding Solutions Limited (FRN: 972740) who are Appointed Representatives of White Rose Finance Group Ltd (FRN: 630772) who are directly authorised by the Financial Conduct Authority.
Let's talk
Finance for
what's next.
Before you approach a lender, speak to someone who understands the transaction. Confidential, no-obligation initial discussion.
