Had $2M in pending settlements but couldn't make payroll. Basecamp Funding matched us with three lenders — $350K funded in 48 hours. We stopped sweating and started taking bigger cases.
— James K. . Personal Injury . Managing Partner . Tampa, FL
Real Results
We've Funded Law Firms Like Yours
The Contingency Cash Crunch
An immigration attorney in Atlanta had cases that take 14 months to settle. $180K in expected settlements but $0 in the bank today. Payroll, rent, and filing fees don't wait for case resolutions. His bank wouldn't touch it — they saw zero current revenue and walked. We matched him with a lender who understood contingency cash flow and approved a $75K line of credit.
$75K LOC → funded in 48 hours → firm operations stabilized
The Partner Buyout
A personal injury firm in Dallas had a founding partner retiring. The buyout was negotiated at $500K — fair price for a $1.2M book of business. But draining the firm's reserves would cripple operations during the transition. We connected them with an SBA 7(a) lender who closed with 10% down, preserving the firm's working capital.
$500K SBA 7(a) → 10% down → reserves intact
The Case Expense Pile
A mass tort firm in Chicago had $200K in expert witness fees, depositions, and filing costs spread across 15 active cases. Each case was strong on merit but the firm couldn't self-fund all of them simultaneously. They were cherry-picking cases based on cash instead of strength. Working capital changed the math overnight.
$200K working capital → 3 days → 15 cases fully funded
The Office Expansion
A family law attorney in Denver was growing from a solo practice to a 3-attorney firm. She needed $150K for office buildout, furniture, technology infrastructure, and the first 3 months of payroll for two new associates. Her bank wanted a personal guarantee on her home. We found a lender who approved on firm revenue alone.
$150K funded → 5 days → tripled firm capacity
The Marketing Push
A criminal defense attorney in Phoenix was spending $8K/month on Google Ads that were driving 30+ qualified leads per month. He needed $50K in working capital to fund 6 months of marketing while his cases were pending. His bank didn't understand marketing as a business investment. Our lenders did.
$50K working capital → 48 hours → 6 months of marketing funded
The Slow-Pay Client
A corporate law firm in Houston had institutional clients that pay net-90. $120K in outstanding invoices from Fortune 500 companies — the money was guaranteed, just slow. Payroll and overhead couldn't wait 90 days. Invoice factoring gave them 90% of the value in 24 hours.
$120K invoices → 90% in 24 hours → cash flow problem solved
Industry Data
The Numbers That Matter
Average contingency case takes 12-18 months to settle
— American Bar Association
Law firm overhead runs $15K-$50K/month regardless of case status
— Thomson Reuters Legal Executive Institute
73% of
solo attorneys report cash flow as top business challenge
— Clio Legal Trends Report
See What You Qualify For
Find Out What You Qualify For in 60 Seconds
Slide the calculator to see your estimated approval range. Then answer 3 quick questions to lock it in. No documents needed. No credit impact.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
No hard credit pull · No obligation · Estimate only
Your Application Gets Matched Across 70+ Lending Partners Including
Multiple lenders compete for your business — you pick the best offer
Law firms are some of the lowest-risk borrowers out there. If your bank denied you, they don’t understand how contingency practices work.
— Bobby Friel, Basecamp Funding - Founder
Real Challenges
The Real Challenges Law Firms Face (And How Funding Solves Each One)
| Challenge | What It Looks Like | What It Costs You | Funding Solution | Typical Amount | Speed |
|---|---|---|---|---|---|
| Contingency payment delays | Cases take 12-18 months to settle, zero income during litigation | Lost opportunities, can't take new cases, staff turnover | Working capital or LOC | $50K–$500K | 1–3 days |
| Case expense funding | Expert witnesses $5K-$15K each, depositions, medical records, filing costs | Cherry-pick cases based on cash instead of merit | Working capital | $25K–$200K | 1–2 days |
| Partner buyouts | Founding partner retiring, equity buyout negotiated | Drain reserves or lose the partner's clients | SBA 7(a) loan | $250K–$5M | 3–4 weeks |
| Client payment delays (net-60-90) | Corporate clients pay slowly, retainers consumed | Payroll strain, can't reinvest in growth | Invoice factoring or LOC | $50K–$500K | 1–2 days (factoring) |
| Office expansion costs | Growing firm needs more space, technology, furniture | Cramped office limits hiring and client perception | Working capital + SBA | $50K–$500K | 1–5 days (WC) / 3–4 weeks (SBA) |
| Marketing/client acquisition | SEO, Google Ads, LSAs cost $5K-$15K/month with delayed ROI | Competitors outspend you, case pipeline dries up | Working capital or LOC | $25K–$150K | 1–3 days |
| Staffing | Associates $80K-$150K, paralegals $45K-$65K, immediate payroll impact | Overworked attorneys, missed deadlines, malpractice risk | Working capital | $30K–$200K | 1–3 days |
Found your scenario? See what you qualify for — 60 seconds, no credit pull.
Every week without funding in place is a week you're exposed. The next equipment failure, the next cash flow gap, the next opportunity you can't move fast enough on — you want capital ready before you need it. Pre-qualifying takes 60 seconds and doesn't affect your credit.
Check My OptionsNo hard credit pull · No obligation · 60 seconds
I had $400K in pending PI cases but couldn't make payroll. Basecamp approved $80K in 24 hours. No lien on my cases.
Why Us
Why Law Firms Choose Us Over Banks
We built our process around the way law firms actually operate — not the way banks wish you did.
We Understand Settlement Timelines
Banks see zero revenue for months and panic. Our lenders understand that a $2M settlement pipeline is real revenue — it just hasn't landed yet.
We Fund Case Expenses Upfront
Expert witnesses, depositions, and medical records cost tens of thousands before a case resolves. Our lenders fund litigation costs without case-level covenants.
Contingency Billing Doesn't Disqualify You
Banks want monthly receivables. Contingency firms collect in lump sums. Our lenders evaluate your caseload and operating history, not your billing model.
We Help You Scale Without Waiting
Hiring a new associate or merging with another firm takes capital now. Our lenders fund growth so you're not waiting on the next big settlement to invest.
No Interference With Your Cases
Litigation finance companies may influence case decisions. Our lending partners provide capital without oversight, covenants, or input on your legal strategy.
Student Debt Doesn't Block You
Most attorneys carry $150K+ in student loans. Banks count this against you. Our lenders evaluate firm revenue and cash flow, not your personal debt load.
Free Tool
What Can Your Law Firm Qualify For?
Enter your monthly revenue, time in business, and industry to see your estimated approval range and recommended products. No credit pull.
Avoid These
5 Funding Mistakes That Cost Law Firms the Most
"Using personal credit cards for case expenses"
Advancing $30K in case costs on a 22% APR card costs $6,600/year in interest. A business line of credit at 12% costs $3,600 and keeps your personal credit clean.
"Waiting for settlements to fund operations"
Contingency cases create feast-or-famine cash flow. A $200K line of credit costs nothing until drawn and keeps operations running between settlements.
"Not shopping practice acquisition financing"
Your bank's SBA rate isn't the only option. Our network's SBA-preferred lenders often close 2-3 weeks faster with better terms.
"Underfunding a new office opening"
Budgeting $50K for a build-out that costs $85K means stopping construction mid-project. Add 30% buffer to every build-out estimate.
"Ignoring technology financing"
Case management software, e-discovery tools, and cybersecurity aren't luxuries — they're malpractice prevention. Financing spreads the cost over 24-36 months.
Acquired a retiring partner's book for $1.8M. Our bank quoted 60 days for SBA. Basecamp closed in 21.
The Difference
Why Law Firms Choose Basecamp Over Their Bank
| Your Bank | Basecamp Funding | |
|---|---|---|
| Application | 45 minutes + document upload | 60 seconds, minimal documents |
| Credit pull | Hard pull (hurts your score) | Soft pull (no impact) |
| Lenders reviewing your app | 1 | 70+ |
| Understands contingency cash flow? | Usually no | Yes — our lenders work with law firms daily |
| Understands case pipelines? | "Come back when you have more settled revenue" | Revenue-based approval, not billing-model-based |
| Time to funded | 2–6 weeks | As fast as same day |
| If they say no | You're stuck | 69 other lenders still competing |
Funding by Firm Size
How We Fund Law Firms at Every Stage
⚖️Solo Practitioner
Common Needs
Working capital, line of credit
24-48 hours
Sarah Mitchell, solo PI attorney in Denver — needed $35K for expert witness deposits across 3 active cases. Bank wanted collateral. Approved in 24 hours on revenue alone.
🏛️Small Firm / 2-10 Attorneys
Common Needs
Line of credit, working capital, SBA loans
24-72 hours
Goldstein & Park, 5-attorney family law firm — $150K line of credit for payroll and operating expenses. Their cases settle quarterly but expenses are monthly. Line of credit solved the timing gap.
💎Mid-Size Firm / 10-50+ Attorneys
Common Needs
SBA loans, term loans, commercial real estate
1-3 weeks for complex financing
Meridian Law Group, 22 attorneys — $1.8M practice acquisition of a retiring partner's book of business. SBA 7(a) at 6.5% over 10 years. Closed in 21 days.
Funding Built for Your Practice
Whether you're a solo practitioner or managing a multi-office firm, we match you with the right product and amount.
Growing Businesses
$10K – $1M
Revenue-based funding for working capital, equipment, and growth. Most fund in 1–3 days.
See What You Qualify For →Established Businesses
$1M – $5M
Structured financing with capital stacking. Dedicated commercial specialist. Multiple lenders optimized for your transaction.
Talk to a Commercial Specialist →Commercial & Complex
$5M – $10M+
Complex transactions. Multi-lender capital stacks. Acquisitions, commercial real estate, fleet buildouts. Dedicated commercial team.
Request a Financing Review →Pricing Transparency
What Law Firm Funding Actually Costs
Most lenders hide the real cost behind jargon. Here's what businesses actually pay.
| Product | Typical Amount | Term | Cost Range | Speed to Fund | Best For |
|---|---|---|---|---|---|
| Working Capital | $10K-$500K | 3-18 months | 1.1-1.4 factor rate | 1-3 days | Case expenses, payroll, rent |
| Business Line of Credit | $10K-$5M | Revolving | 8-22% APR | 1-5 days | Case costs, operating expenses |
| SBA Loan | $50K-$5M | 5-25 years | 6-10% APR | 30-60 days | Practice acquisition, real estate |
| Equipment/Tech Financing | $10K-$500K | 6 mo - 10 yrs | 5-15% APR | 3-7 days | Software, hardware, build-out |
| Term Loan | $50K-$2M | 6 mo - 10 yrs | 7-22% APR | 2-7 days | Expansion, hiring, marketing |
| Revenue-Based Financing | $10K-$500K | 3-18 months | 1.1-1.5 factor rate | 1-3 days | Adjusts with firm revenue |
Rates and terms vary by credit profile, revenue, and time in business. These are typical ranges for law firms in our network.
Real Numbers
What Law Firm Funding Actually Costs
| Scenario | Product | Amount | Rate | Term | Monthly Payment | Total Cost | Net Cost After §179 |
|---|---|---|---|---|---|---|---|
| Practice acquisition | SBA 7(a) | $500,000 | 7% APR | 10 years | $5,805 | $696,600 | N/A |
| Case expense bridge | Working capital | $75,000 | 15% APR | 12 months | $6,784 | $81,408 | N/A |
| Marketing campaign | Line of credit | $50,000 drawn | 12% APR | 6 months used | Interest only: $500/mo | ~$3,000 | N/A |
| Office buildout | Working capital | $150,000 | 14% APR | 18 months | $9,438 | $169,884 | N/A |
| Technology upgrade | Equipment financing | $40,000 | 9% APR | 4 years | $996 | $47,808 | ~$31,808 (40% tax rate) |
| Emergency payroll | Working capital | $30,000 | 18% APR | 6 months | $5,247 | $31,482 | N/A |
These are real numbers from real funding scenarios in our network. Your rate depends on your credit profile, revenue, and time in business.
Tax Strategy
Section 179: The Tax Deduction Every Law Firm Should Know
Section 179 lets you deduct the FULL purchase price of qualifying equipment and technology in the year you buy it. Case management software, furniture, computers, phone systems — all qualify.
2026 limit: over $1.16 million.
Here's what that means in real dollars:
| Equipment | Cost | Your Tax Rate | Section 179 Deduction | Tax Savings | Net Cost |
|---|---|---|---|---|---|
| Case management system | $40,000 | 40% | $40,000 | $16,000 | $24,000 |
| Office furniture package | $25,000 | 35% | $25,000 | $8,750 | $16,250 |
| Computer + monitor setup (5) | $15,000 | 40% | $15,000 | $6,000 | $9,000 |
| Phone/VoIP system | $8,000 | 35% | $8,000 | $2,800 | $5,200 |
| E-discovery platform | $60,000 | 40% | $60,000 | $24,000 | $36,000 |
Finance the equipment. Keep your cash. Take the deduction. Your $120K excavator costs you $72K after taxes and you never touched your reserves.
Bobby's take: If you're paying cash for tech upgrades over $10K, run the Section 179 numbers first. Finance it, deduct it, keep your cash for cases.
How It Works
From Application to Funded in 5 Steps
No paperwork avalanche. No bank lobby. No guessing.
60-Second Application
Answer a few quick questions about your business. No documents needed yet.
Soft Credit Check
We check your options with zero impact on your FICO. Your score stays untouched.
Lenders Compete Behind the Scenes
Your profile is matched to 70+ lending partners. They compete - you never hear from them directly.
One Specialist, Multiple Offers
Your funding specialist presents your best options. No spam calls. No runaround.
Pick Your Offer & Get Funded
Choose the rate and terms that fit. Sign digitally. Funds hit your account - same day available.
Use Your Capital For
How Law Firms Use Basecamp Funding
Payroll & Operations
Keep associates, paralegals, and staff paid during settlement gaps. Bridge the 30-90-day collection cycle.
Case Expenses
Expert witnesses, depositions, medical records, court costs — fund litigation without depleting reserves.
Marketing & Client Acquisition
SEO, Google Ads, LSAs, TV, radio, content marketing. Invest in the cases you want to take.
Technology & Software
Practice management, AI tools, client portals, cybersecurity. Stay competitive and efficient.
Office Space & Buildout
New office, renovation, second location. Project the credibility your clients expect.
Hiring & Expansion
New associates, of counsel arrangements, support staff. Scale without waiting on settlements.
Practice Acquisition
Buy a retiring attorney's book of business. Merge with a complementary firm. Grow overnight.
Debt Consolidation
Refinance high-cost MCAs, credit cards, or lit finance agreements into one manageable payment.
CLE & Professional Development
Training, bar admissions in new jurisdictions, certifications. Invest in your team's capabilities.
They understood contingency cash flow without me having to explain it. First lender that didn't treat it as 'unpredictable income.'
Full Transparency
What Kills Your Qualification (And What Doesn't)
Most lenders won't tell you this upfront. We will.
These Won't Stop You
These Can Be Deal-Breakers
Before You Apply
What to Have Ready
Having these speeds up your approval. Don't have everything? Start anyway — we'll guide you.
4 months of bank statements
Operating account (not trust/IOLTA)
Business checking account
Must be a dedicated firm operating account
Bar license number or firm EIN
Proof your firm is registered and in good standing
Government-issued ID
Driver's license or passport
Outstanding debt details
Existing loans, MCAs, credit lines, or lit finance agreements
Approximate monthly revenue
Doesn't need to be exact — ballpark is fine
See What You Qualify For
See What You Qualify For. No Credit Impact. No Obligation.
Slide the calculator, answer 3 questions, and a specialist pulls your options within the hour.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
No hard credit pull · No obligation · Estimate only
Recommended Products
Recommended Loan Products for Law Firms
The most popular funding types for law firms businesses. Each links to a detailed product page.
💰Working Capital Loans
Fund case expenses, payroll, and operations while waiting on settlements.
View Product Details →🏦Business Line of Credit
Draw funds as needed for firm operations and repay as fees come in.
View Product Details →Term Loans
Finance a partner buy-in, firm acquisition, or major capital investment.
View Product Details →Commercial Real Estate
Purchase or renovate office space that projects the credibility clients expect.
View Product Details →Financed $40K in case management software and a complete office technology overhaul. Section 179 deduction saved us $16K. Should have done this two years ago.
Opening a second office seemed impossible on our cash flow. $85K working capital funded in 3 days. New office was profitable within 90 days.
The Best Time to Secure a Credit Line Is When Your Caseload Is Strong
68% of loan denials happen because of weak financials at time of application. A pre-approved credit line costs nothing until you draw it — but it's there when the next settlement delay hits, the next big case needs funding, or the next hire can't wait. See what you qualify for now while your numbers are strong.
No credit impact · No obligation · 60 seconds
By Trade
Law Firm Funding by Practice Area
| Trade | Common Funding Need | Typical Amount | Why This Trade Qualifies Well |
|---|---|---|---|
| Personal Injury | Case expenses, expert witnesses, settlement bridge | $50K–$2M | Contingency fees = guaranteed future revenue |
| Criminal Defense | Investigators, expert witnesses, marketing | $25K–$250K | Steady case volume, retainer-based |
| Family Law | Retainer gaps, associate salaries, office expansion | $25K–$300K | Recurring client relationships, court-ordered fees |
| Immigration | Filing fees, bilingual staffing, multi-office expansion | $25K–$500K | High volume, predictable case fees |
| Corporate/Business | Working capital bridge, office expansion, lateral hires | $50K–$1M | Stable retainers, institutional clients |
| Real Estate | Seasonal staffing, title systems, closing volume growth | $25K–$300K | Transaction-based revenue, consistent volume |
| Estate Planning | Practice acquisition, seminar marketing, software | $25K–$500K | Recurring trust administration revenue |
| Bankruptcy | Paralegal hiring, forensic accounting, case surge staffing | $25K–$200K | Counter-cyclical demand, steady volume |
| Employment Law | E-discovery, expert economists, class action costs | $50K–$1M | High-value settlements, strong case merit |
| Mass Tort | Case acquisition, MDL discovery, scientific experts | $100K–$5M | Portfolio approach, diversified risk |
| Intellectual Property | Patent experts, USPTO fees, consumer surveys | $25K–$500K | High billing rates, tech-sector growth |
| Tax Law | Forensic accountants, IRS dispute costs, seasonal staffing | $25K–$300K | Seasonal demand peaks, compliance-driven |
Financing by Practice Area
Every practice type. Click yours for tailored options.
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FAQs
Law Firm Funding FAQs
Robert T.
Attorney | Atlanta, GA
Running a contingency firm means 12 months of expenses before a case pays. A $200K line of credit through Basecamp keeps the lights on between settlements.
Your Caseload Shouldn't Be Limited by Your Cash Flow
60 seconds. No credit impact. No obligation.
See What You Qualify ForNo hard credit pull · Free to check · Nationwide
Law Firm Business Loans & Attorney Practice Financing — $10K to $10M+
Look — your bank sees zero income for 14 months and panics. They don't understand that your $2M settlement pipeline is real money. They don't get contingency cash flow, case expense timing, or why you need $75K wired this week to keep the lights on while you wait for a seven-figure payout. We do. One 60-second application. 70+ lenders see it. No hard credit pull. No tax returns upfront.
I talk to managing partners and solo practitioners every day who waited too long. They turned down a strong case because they couldn't fund the expert witnesses. They lost their best paralegal because payroll was late. They paid a litigation financier 24% when they could have gotten a 12% line of credit through our network. Don't be that firm.
Personal injury, family law, criminal defense, immigration, corporate, real estate, estate planning, bankruptcy, employment, mass tort, IP, and tax attorneys — we fund all of them. Working capital in 24 hours. Lines of credit you draw when settlements are delayed and repay when they hit. SBA loans for practice acquisitions at 6-10% over 10 years. We've funded $500K partner buyouts, $200K case expense bridges, and $40K technology overhauls. All through our network.
If you've got $2M in cases but can't make this month's payroll — fill out the application. If your founding partner is retiring and you need to close the buyout before another firm swoops in — fill out the application. Takes 60 seconds. Most firms hear back within hours. Same-day funding is on the table.