PROFESSIONAL SERVICES FUNDING
Cover the wait on cases. Invest in the firm.
For law firms covering payroll, case costs, and clients who pay slowly - and for firms hiring, upgrading systems, buying out a partner, or expanding.
Illustrative cash cycle30 days to years
Example funding range$50K–$5M
Estimated funding time5–30 days
Cash-flow pressureCase costs
Funding advisorDedicated
Industry patterns and funding ranges are illustrative examples. Funding timing depends on the product and your paperwork.
THE MONEY TIMING PROBLEM
Where the cash gets tight in legal services.
A healthy business can still run short. Money goes out before it comes in. Which of these hits you decides which type of funding you need.
Contingency matters can have long and uncertain durations
A few clients or matters may dominate expected revenue
Ethical and provider rules affect eligible structures
The right funding fixes this without leaving you with a payment you can't make, or a loan that outlasts the problem.
WHY TALK TO US
Funding should fix the problem,
not just move it to next quarter.
Tell your advisor what's actually going wrong. They'll work out which type of funding solves it, then bring you offers from the lenders that fit.
Free consultation
Talk through your goals and explore funding options with a dedicated advisor.
Book a free consultationAsk for what you actually need
Work out the money you need now, and the cushion you want on top. Borrowing a round number you didn't check is how people get in trouble.
Match the payment to when money comes in
Daily, weekly, or monthly? Look at your slowest month, not your average one. Can you make the payment then?
Compare what you pay back in total
APRs, factor rates (the number your funded amount is multiplied by to get your total payback), flat fees, closing costs - we turn all of it into one number: total dollars.
Keep enough cash to run on
Don't spend the cushion. You still have to cover payroll and bills while the new money starts earning.
WHAT THE MONEY IS FOR
What legal services businesses usually borrow for.
Some of these pay off in weeks, some in years. The loan should last about as long as the payoff takes.
What you needWhen it comes upWhere to startWhat decides it
01Payroll and operating expensesWhen bills are due before customer money arrivesLine of CreditPayment should match when cash arrives
02Case-cost financingWhen you win work that costs money before it paysWorking CapitalKeep cash on hand
03Attorney and staff hiringWhen you win work that costs money before it paysAcquisition FinancingPayment should match when cash arrives
04Technology and cybersecurityWhen you win work that costs money before it paysLine of CreditKeep cash on hand
05Office expansionWhen growing costs money before it makes moneyWorking CapitalPayment should match when cash arrives
06Marketing and intake systemsWhen you win work that costs money before it paysAcquisition FinancingKeep cash on hand
07Partner buyoutWhen you win work that costs money before it paysLine of CreditPayment should match when cash arrives
08Receivables bridgeWhen you win work that costs money before it paysWorking CapitalKeep cash on hand
09Practice acquisitionWhen you're buying a business, a location, or a partner outAcquisition FinancingPayment should match when cash arrives
10Debt refinancingWhen you win work that costs money before it paysLine of CreditKeep cash on hand
ROUGH PRICING
What this type of funding usually costs.
These are wide example ranges to learn from - not offers, and not promises. What you're actually quoted depends on your credit, your sales, your collateral, the length of the loan, your paperwork, and the lender.
Funding typeRough costHow it's structuredHow much
Line of CreditApprox. 8%–60%+ APRInterest or fee applies to drawn balance$25K–$5M
Working CapitalApprox. 1.10–1.45 factorFixed-cost advance; daily or weekly remittance$25K–$2M
Acquisition FinancingApprox. 8%–20%+ blendedTerm debt, SBA, seller note, or private credit$500K–$30M
APR, factor rate, discount fee and total repayment are four different things - you cannot compare them side by side as if they were the same number. Compare these instead: total dollars paid back, how often you pay, how long it runs, the fees, what you put up as collateral, what you personally guarantee, and what happens if you pay it off early.
WHAT LENDERS CHECK
What decides your offer.
We tell the whole story of how your business runs - including the things that matter in legal services and never fit in a standard application form.
What kind of law you practice, and how long your cases take to close
This affects what you can get, how much, at what price, and what payments you can safely handle.
How much of the time you bill you actually get paid for
This affects what you can get, how much, at what price, and what payments you can safely handle.
How much of your revenue rides on one client or one case
This affects what you can get, how much, at what price, and what payments you can safely handle.
The bar rules on fees and on outside money in a firm
This affects what you can get, how much, at what price, and what payments you can safely handle.
NOT SURE WHICH TO PICK?
Talk to an advisor before you sign anything.
We'll walk you through what it really costs, how often you pay, how long it runs, what you're putting up, what you're personally on the hook for - and whether your legal services business can actually carry it.
Talk to an advisorUSUALLY A GOOD FIT
Funding types that suit legal services.
These are starting points, not recommendations. What actually fits depends on your whole business and what you're spending the money on.
COMMON QUESTIONS
Questions about funding a legal services business.
Which product is usually best for this industry?
The starting shortlist is Line of Credit, Working Capital, Acquisition Financing. The right choice depends on the use of funds, cash-flow timing, available collateral, credit, and documentation.
How much can a legal services business qualify for?
Qualification is usually tied to revenue, cash flow, time in business, existing debt, credit profile, and the use of funds. Asset-backed projects may also be limited by collateral value.
How quickly can funding close?
Some working-capital products can close after bank statements and basic documentation are verified. Bank, SBA, acquisition, and real-estate transactions generally require more underwriting and take longer.
Can financing be used for payroll and operating expenses?
Potentially. The provider will evaluate the use of funds, repayment capacity, project economics, documentation, and whether the requested structure is appropriate for the asset or operating need.
Can equipment or productive assets be financed separately?
Often, yes. Asset-specific financing may preserve cash and align repayment with the useful life and expected return of the equipment or vehicle.
What rates should a business expect?
Pricing varies widely by structure. Bank and SBA products typically price from a benchmark plus a spread; equipment financing uses APR or lease pricing; factoring uses a periodic discount fee; faster working-capital products may use a fixed fee or factor rate.
What documents are usually required?
Expect recent bank statements, ownership information, existing debt details, and-depending on size-tax returns, P&L, balance sheet, receivables, inventory, contracts, or equipment invoices.
Does exploring options affect business credit?
The intake and provider disclosures should state when a soft or hard credit inquiry may occur. Product and provider requirements vary.
YOUR NEXT MOVE
Find the right capital for your legal services business.
One application. Every option that fits. A clear path to the money.
Get funded