This Is Why You're Here
Why Bankruptcys Come to Us Instead of Their Bank
Consumer bankruptcy filings surged 30% this quarter. You need to hire a paralegal and petition preparer — $8K/month in added costs. The case volume justifies it but cash needs to come first.
A mid-size company wants you to handle their Chapter 11 reorganization — $75K in projected fees over 12 months. But you need $20K in forensic accounting and financial consulting before filing.
Your competitor retired and you can absorb their client base — 200 active cases and referral relationships. Integration costs $30K including marketing, outreach, and staffing.
You've got 15 Chapter 7 flat-fee cases at $1,500 each — that's $22K in revenue. But you collected $8K upfront and the rest comes in installments. Payroll is $14K this Friday and your account has $4,200.
A small business owner wants Chapter 11 reorganization. The case needs a forensic accountant ($12K) and a financial advisor ($8K) to build the reorganization plan. Your retainer only covers $10K of the $20K upfront cost.
Filings surged 30% and I needed a paralegal and petition preparer immediately. Basecamp approved $40K in working capital overnight. I handled the surge instead of turning cases away, and that quarter became my best revenue quarter ever.
Thomas C., Bankruptcy Attorney, Detroit, MI
Bankruptcy Financing
Get Your Bankruptcy Business Funded in 60 Seconds
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Estimated Approval Range
Based on 100-150% of monthly revenue
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Built for Your Business
Why Bankruptcy Businesses Choose Basecamp
You're Busiest When Banks Are Scared
Economic downturns spike your caseload but make banks tighten lending. You need capital when everyone else is pulling back. Our lenders understand countercyclical demand — your surge is their opportunity, not a red flag.
Your Clients Can't Pay Big Retainers
People filing bankruptcy don't have $10K for a retainer. You're working on flat fees and payment plans. Banks see low per-client revenue and panic. Our lenders look at your total deposit volume and case count instead.
Chapter 11 Costs Money Upfront
A mid-size Chapter 11 needs $20K in forensic accounting and financial consulting before you even file. The $75K in fees comes over 12 months. You need the expert costs covered now — not after the plan is confirmed.
Absorb a Retiring Competitor's Cases
When a bankruptcy attorney retires, their 200 active cases and referral network are up for grabs. Integration costs $30K for marketing, outreach, and staffing. But you've got days to act before another firm scoops it.
Bobby's Take
Bobby's Playbook for Bankruptcy
Most bankruptcy firm owners encounter bank lenders who evaluate them on small-business templates that weren't built for professional services. What gets missed: $1.5K-$5K Chapter 7 engagements plus longer-cycle Chapter 11 fee applications produce cash flow banks don't know how to read. Specialist lenders fund bankruptcy practices on the actual cash-flow signature, not the bank's template. Here's how to position your transaction so the right specialists see it first.
Three things determine whether a bankruptcy firm transaction closes: monthly case-filing count, average per-case revenue by chapter (7 vs. 11 vs. 13), and your case-pipeline depth. Not your personal FICO. Not your time in practice. Specialist bankruptcy lenders care about whether your monthly engagement revenue supports a $1,500-$3,000/month payment — and whether your case pipeline gives the file the recurring engagement-fee revenue floor it needs.
The biggest mistake bankruptcy operators make: applying with revenue blended across all chapters and case types. The lender can't see which chapter mix is the strongest contributor. The fix: produce a case-mix summary showing Chapter 7 volume, Chapter 11 fee-application timing, and Chapter 13 trustee-payment timing. Specialist bankruptcy lenders price each chapter mix correctly. Generalist lenders see legal-services revenue and apply general aging.
engagement revenue lost without case-management capacity
Where this gets interesting at scale: a bankruptcy firm adding an associate, expanding into Chapter 11 reorganization work, or acquiring a retiring attorney's case file doesn't need ONE loan. They need a working capital line for associate-credentialing payroll + a a revenue-based term loan against existing filing-fee revenue to cover the acquisition + sometimes equipment financing for case-management software. Three products, three lenders, one application — that's how solo bankruptcy practices scale into multi-attorney bankruptcy firms.
The bankruptcy attorneys who scale fastest aren't the ones who waited for the next economic downturn to fill the case pipeline. They're the ones who had associate and case-management capacity ready when case demand hit a tipping point. Turning down case volume because you can't process it is $50,000-$120,000 in annual engagement revenue going to competing bankruptcy firms. Run the numbers in 60 seconds — see what 70+ specialist lenders will offer your bankruptcy practice this week.
Bottom line:
Bankruptcy firms get priced on blended chapter revenue when each chapter has different cash-flow timing. Separate Chapter 7 volume from Chapter 11 fee-applications — that's how a specialist prices the mix correctly.
Bobby Friel
Founder, Basecamp Funding
What You're Up Against
The Real Challenges Bankruptcys Face
Pricing Transparency
What Bankruptcy Funding Actually Costs
Rates and terms depend on credit, revenue, time in business, and lender. Every business is unique — see what 70+ lenders will offer you in 60 seconds. Soft-pull pre-qual.
These are industry averages. Your actual rate depends on your revenue, credit profile, and time in business — it could be lower. Run your specific numbers in 30 seconds.
Calculate Your Real Cost →Bankruptcy is countercyclical — when the economy dips, filings spike and these attorneys get slammed. A solo practitioner in Detroit saw filings jump 30% and needed staff immediately. We got him $40K overnight. He turned that surge into his best quarter ever instead of turning people away.
Bobby Friel
Founder, Basecamp Funding
How It Works
From Application to Funded in 5 Steps
No paperwork avalanche. No bank lobby. No guessing.
60-Second Intake
Tell us about the firm, practice area, and monthly receipts. No retainer. No engagement letter.
Soft Credit Screen
We screen options with zero impact to your FICO or the firm's commercial credit profile.
Lenders Compete in the Background
Your file routes to 70+ lending partners who fund law firms. They compete; you stay focused on the docket.
One Specialist, Multiple Term Sheets
Your funding specialist walks through structures, draws, and how each affects firm liquidity. No runaround.
Choose Terms, Sign, Get Funded
Pick the structure that fits the case and the firm. E-signature. Capital lands as fast as same day.
Bankruptcy Capital Uses
What Bankruptcy Businesses Use Funding For
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.
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
Need commercial insurance for your bankruptcy business?
Professional liability and office coverage are required for most firm financing. InsuranceService365.com covers professional services across 29 states.
Don't Wait Until You Need Funding to Get Funded
Most firms wait until a trial expense or expert retainer hits to call us. The firms that win the long game pre-qualify when revenue is steady — that's when underwriting is friendliest. The best time to know your range is before you need to draw on it.
Ready?
See What Your Bankruptcy Business Qualifies For
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
Soft-pull pre-qual · No obligation · Estimate only
Other Law Firms Specialties We Fund
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Recommended Products
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Working Capital
Fund case expenses, marketing, and operations between settlements.
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Revolving access for expert witnesses, depositions, and case costs.
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Accelerate collections on outstanding client invoices.
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Firm acquisition, partner buy-ins, and office expansion at low rates.
Learn More →FAQs
Bankruptcy Business Loan FAQs
Bankruptcy Attorney Loans & Bankruptcy Law Firm Financing — $10K to $20M+
Bankruptcy law has a timing problem nobody warns you about. When the economy tanks, filings surge 30% overnight. Suddenly you need a paralegal and a petition preparer — that's $8K/month in new payroll. The cases are there. The revenue will follow. But the hiring costs hit right now. And your clients? They're filing bankruptcy. They're not putting down $10K retainers. You're running a high-volume, low-margin operation and you need capital to match the pace.
We fund bankruptcy firms that need to scale fast when demand spikes. $40K overnight for hiring during a filing surge. Credit lines that flex with case volume so you're not turning people away. Revenue-based capital stacking to absorb a retiring competitor's 200 active cases — term loan against existing filing-fee revenue + working capital for transition. One application, 70+ lenders, no hard pull. Consumer, Chapter 7, Chapter 11, Chapter 13 — if you're doing the work, we'll fund the growth.
Stop Discounting Cases Because Cash Is Tight. Get Your Bankruptcy Practice Funded Today.
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