The Pinch Points
Why Employment Law Firms Come to Us for Capital
Plaintiff employment work bankrolls the discovery, the experts, and the class build for a year or more before a court makes the other side pay. Our lenders read the firm and the portfolio, not the wait. Sound familiar?
The Contingency Case-Cost Float
Discovery, depositions, and experts on an employment case run $10K–$75K, fronted a year or more before the case resolves on contingency.
The Wage-and-Hour Class Build
A PAGA or wage-and-hour class means class-notice, data analysis, and damages-modeling costs — $25K–$100K to build the class, all up front.
The Fee-Shifting Timing Gap
Even a winning fee-shifting case pays the award long after the work — a class that cost $200K–$400K to litigate can take another six to eighteen months past trial for the fee motion to pay.
The Lumpy Recovery Calendar
Employment recoveries arrive unevenly; payroll for associates and staff runs every cycle regardless — a $30K–$80K burn between resolutions.
The Cases and Classes You Pass
A wage-and-hour class worth $500K–$3M in fees lands, but with capital already deployed across active matters, you pass on the kind of class the firm is built to take.
Buying In or Acquiring a Firm
A partner buy-in or acquiring another employment practice is a $250K–$1.5M move that won’t wait on a slow approval queue.
What an operator said
“A wage-and-hour class costs a fortune to build before you see a dime, and we were passing on good ones for cash reasons. The case-cost line let us build the classes — and carry the firm through the year between the win and the fee award.”
A. Reyes · employment law firm · Los Angeles, CA
Start Here
See Your Range in 60 Seconds
No credit check, no documents to start, and an estimated funding range on the spot. No one contacts you until you’re ready to move forward.
What Happens When You Start
Estimate Your Capital Range
Slide to your annual gross revenue. We size capital off your top line — not your credit score.
Estimated Capital Range
A conservative range based on 10-15% of annual revenue — many businesses qualify for more with strong receivables or assets behind them. Lenders return real term sheets once they see your file.
60 seconds · No obligation · Estimate only
Built for the Trade
What We Fund for Employment Law Firms
Case-Cost Financing for Contingency & Class Work
An unsecured, revenue-based line advances against your pending portfolio, funding discovery, experts, and class-build costs.
Working Capital Through the Fee-Award Gap
Working capital carries payroll and overhead through the lag between the work and the fee-shifting award.
Capital for the Class Build
Funding the class-notice, data analysis, and damages modeling up front lets you take on the larger classes instead of passing them for cash reasons.
Revenue-Based Acquisition & Buy-In Capital
Buy in or acquire a practice on revenue-based, capital-stacked financing — not an SBA queue.
Match Your Situation
The Funding Gaps We Bridge for Employment Law Firms
Match your situation to the structure. Every one of these funds on the firm’s revenue and the pending portfolio, not a perfect credit file.
| What It Looks Like | Funding Solution | Amount | Speed | |
|---|---|---|---|---|
| Banks won’t lend against contingency cases or fee awards | An unsecured, revenue-based line advances on the firm + portfolio | Case-Cost Line | $75K–$5M+ | 1–5 days |
| Class-build and discovery costs are up front | A case-cost line funds the build | Case-Cost Line | $75K–$5M+ | 1–5 days |
| Fee-shifting recoveries land long after the work | Working capital smooths the gap | Working Capital | $75K–$5M+ | 1–3 days |
The Products
How Employment Law Firm Financing Is Structured
Most employment-law files fund between $75K and $5M+, structured to the case-cost float, the class build, or the office and case-tech build. Larger lines available when revenue, cash flow, and story qualify.
| Amount | Term | Best For | Funding Speed | Typical Structure | |
|---|---|---|---|---|---|
| Case-Cost Line | $75K–$5M+ | Revolving | Discovery, experts, class build | 1–5 days | Advances on cases + firm revenue |
| Business LOC | $75K–$5M+ | Revolving | Fee-award-gap working capital | 1–5 days | Unsecured line, no PG by default |
| Working Capital | $75K–$5M+ | 6mo–10yr | Payroll through the lag to the award | 1–3 days | Often unsecured, daily/weekly ACH |
| Equipment Financing | $75K–$5M+ | 2yr–7yr | Case-management + e-discovery tech | 3–7 days | Equipment serves as collateral |
Tax Strategy
Section 179 on Office & Case-Tech — Worked
If last year was strong and you’re about to write a check to the IRS — stop. Acquire qualifying equipment with as little as 10% down, finance the rest, and write off the full purchase price in year one. Section 179 covers it up to the annual cap; 100% bonus depreciation — made permanent in 2025, with no cap and no income limit — carries the rest.
At the top bracket, that first-year deduction can return meaningful tax savings — and for an established business with strong cash flow, it’s the difference between writing a check to the IRS and putting the same money into your own equipment. Your CPA models the exact numbers for your bracket and structure.
Worked scenario · top bracket · illustrative
You financed the machine and put down a fraction of its price — but you deduct the full price in year one. The write-off is bigger than your down payment, and the equipment keeps working the whole time.
Scales with your numbers
Illustrative only. Actual savings depend on your tax bracket, entity type, state conformity, and CPA guidance. Section 179 and bonus depreciation are elections your CPA makes for your situation; above the Section 179 cap, 100% bonus depreciation carries the balance.
Terms reflect credit, revenue, time in business, and each lender. Every file is unique — see what the desk structures for yours in the 60-second qualifier.
Bobby’s Take
“Plaintiff employment work has a money problem hiding inside a justice problem — the cases run on contingency and fee-shifting, which means you bankroll the discovery, the experts, and the class build for a year or more before a court makes the other side pay. The firms that take on the biggest classes aren’t the ones with the deepest pockets; they’re the ones who fund case costs against the portfolio instead of the operating account. We fund that gap — an unsecured, revenue-based line sized on the firm and the cases — so capacity stops deciding which claims you pursue. The §179 on your office and case tech is a minor line item next to what it costs to carry the cases — and carrying them is how you grow.”
Bobby Friel · Founder · 20+ years in banking and finance
How It Works
From Application to Funded
One application, 70+ lenders competing, a dedicated specialist, and most files funded in days.
60-second estimate
Enter your numbers — no credit check, no documents. You see an estimated funding range on the spot.
A specialist is assigned
A real funding specialist — not an algorithm — reviews your file, usually within 24 hours.
70+ lenders compete
Your application goes to the marketplace. Competing offers typically land 24–48 hours later.
You pick the offer
Compare structures and terms with your advisor. No obligation until you choose to sign.
Funded in days
From same-day working capital to a multi-piece stack, most files fund in days — not the bank’s 60–90.
Underwriting
What Underwriting Looks At
Funding here leads with what your business actually does — your revenue and cash flow. The specialist desk reads the real picture from your statements, then matches it to the lenders most likely to fund it.
How you’re evaluated
Revenue-first
sized off your top line, not just your balance sheet.
Cash-flow driven
your bank statements show how the business really runs.
Bank-statement underwriting
even a down year is read off 4 months of statements.
Story-driven
a big new contract, a seasonal swing, a turnaround in progress: context the raw numbers miss counts too.
What to have ready
↳Had a loss year? It’s read off the bank statements — 4 months, not 6.
Start fast, finish complete
The operators who fund quickest come to the specialist review with these ready — but you don’t need all of it to start. Your signed application and bank statements are what unblock the review; the rest can follow as trailing docs. Real term sheets come once the lenders can see a true business overview, so the move is simple: get the application and statements in right away, and don’t let a missing tax return hold up your term sheets.
Credit, straight
Qualification
Who Gets Funded — and Who’s Not Ready Yet
A straight read saves everyone time — here’s the line between an employment law file that funds and one that isn’t ready yet.
↳Time in business is a factor, not a gate — newer crews with strong revenue still qualify.
Not ready yet isn’t a no — it’s a checklist. Most of it is fixable in a quarter or two, and your advisor will tell you straight which gaps to fix before a file goes in.
The Operator's Guide
Employment Law Firm Financing
A Money Problem Inside a Justice Problem
Plaintiff-side employment law runs on contingency and fee-shifting: you bankroll the discovery, the experts, and the class build for a year or more before a verdict, settlement, or fee award lands. The firms that take on the biggest classes aren’t the ones with the deepest pockets — they’re the ones who fund case costs against the portfolio instead of the operating account. We fund that gap — an unsecured, revenue-based line — so case-cost capacity stops deciding which claims you pursue.
One Application, 70+ Lenders
Whether it’s a case-cost line against your pending portfolio, working capital through the fee-award gap, or equipment financing for case-management and e-discovery tech, we connect you with 70+ lenders who fund law firms every week. Case-cost lines, lines of credit, working capital, and equipment financing — $75K to $5M+, on the firm’s revenue, with §179 writing off qualifying equipment the year it’s placed in service. One application, soft-pull review to start.
Common Questions
Employment Law Financing — Questions, Answered
Yes — an unsecured, revenue-based line advances against your pending portfolio and firm revenue.
A line is unsecured and revenue-based by default; case-cost financing can be secured against your cases for better terms, but it’s optional.
Working capital carries payroll and overhead through the lag between the work and the award.
Signed application, four months bank statements, P&L, balance sheet, two years returns; if recent years show losses, the specialist desk can underwrite on four months of statements.
Yes — structured revenue-based and capital-stacked on firm revenue, not an SBA 7(a) acquisition.
Recommended Funding
The Products That Fit Employment Law Work
Business Line of Credit →
A revolving line funds the class build and carries the fee-award gap.
Working Capital Loans →
Carry payroll through the lag between the work and the fee-shifting award.
Equipment Financing →
Finance case-management and e-discovery tech — §179 included.
Invoice Factoring →
Advance against earned fees and receivables instead of waiting on the payout.
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