Who we fund
Law Firm Financing for Case Costs, Growth, and Uneven Cash Flow
Yes, law firms can get business funding, and lenders often view attorneys as established professionals. Contingency firms commonly use lines of credit to carry case costs, while hourly-billing firms use financing to bridge slow client payments and fund growth.
Get matched: law firms
The reality
Cash-flow challenges we hear every day.
Contingency cases that take years to pay
Personal injury and other contingency firms pay for experts, depositions, and filing fees long before a settlement. A few large cases can tie up a lot of cash.
Slow-paying hourly clients
Business and family law clients may pay invoices late or in installments, while associates and staff are paid on schedule.
Marketing costs in competitive practice areas
Practice areas like personal injury rely on advertising and lead generation that is paid upfront, with fees arriving much later.
Trust accounting restrictions
Client funds in IOLTA or trust accounts cannot be used for operations, so firms that look cash-rich on paper may be tight in their operating account.
Best-fit funding
Funding that fits law firms.
A line of credit lets you draw for case costs and payroll as needed and pay it down when settlements or large fees come in.
$10K–$500K‡1–3 days*A term loan fits planned investments such as opening a new office, hiring associates, or a marketing push.
$25K–$2M‡2–7 days*SBA loans can fund buying into a partnership, acquiring a retiring attorney's practice, or buying office space.
$50K–$5M‡30–90 days*Working capital can cover payroll during a temporary dip when large fees are delayed.
$10K–$1M‡24–72 hours*What lenders look for
Typical profile for law firms.
Lenders typically review the firm's financial statements, bank statements from the operating account, practice area, and the attorneys' credit. Contingency firms may be asked about case inventory and settlement history.
Common uses of funds
- Paying expert witness, deposition, and filing costs
- Hiring associates, paralegals, and intake staff
- Funding advertising and lead generation
- Opening a new office
- Buying into a partnership or acquiring a practice
- Upgrading case management and e-discovery software
Can a personal injury firm get a line of credit?
Yes. Some lenders specialize in contingency firms and look at case inventory and settlement history. General business lenders may focus more on the firm's operating cash flow.
Can trust account balances help me qualify?
Generally no. Client funds held in trust belong to clients and are not counted as your firm's revenue or collateral.
Is case cost financing the same as a business loan?
Not exactly. Case cost financing is often tied to specific cases, while a business loan or line of credit is backed by the firm overall.
Can a solo attorney get a business loan?
Yes, solo practitioners with steady deposits and good personal credit can often qualify for lines of credit or term loans.
Funding for law firms, matched in minutes.
- Decisions in as little as 24 hours*
- $10K–$5M+ across 10 products
- No hard credit pull to apply
- One dedicated funding advisor