The Pinch Points
Why Estate Planning Firms Come to Us for Capital
Estate work runs on two clocks — planning that bills the day you do it, and probate that often pays only when the estate finally settles. Our lenders read the firm’s revenue and earned fees, not a perfect file. Sound familiar?
The Probate-Timing Gap
Probate and estate administration fees are often paid when the estate settles — months to years out — while the work, the staff, and the court time happen now. A busy practice can carry $50K–$150K in earned-but-unpaid administration fees.
The Planning-to-Probate Mix
Planning bills up front but probate is back-loaded; a firm doing $300K a year in probate work can carry $80K–$150K in earned-but-unpaid fees while the planning side runs on 30-day collections.
The Aging-Client Book
Your book is your asset — a roster of 200 long-term planning clients can represent $300K–$800K in recurring advisory value — but converting that into growth capital isn’t something a bank will underwrite.
The Staff Ahead of the Estates
Adding a paralegal or associate to handle more estates is $8K–$15K a month, carried before the new matters bill and settle.
The Marketing-to-Engagement Lag
Seminars, referrals, and client development run $5K–$20K a quarter, spent now against engagements that mature over the next six to twenty-four months.
Acquiring a Retiring Attorney’s Book
Buying a retiring estate attorney’s client book is a $150K–$800K move — pure book value a bank won’t lend against, and it won’t wait on a slow queue.
What an operator said
“A retiring attorney offered me his whole book, but the bank wouldn’t lend against client relationships. The revenue-based financing valued the practice the way it actually works — I doubled the firm overnight and the book’s already paying for itself.”
L. Coleman · estate planning firm · Scottsdale, AZ
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 Estate Planning Firms
A Line Against Probate Receivables
A working line advances against earned-but-unpaid administration fees, turning the probate timing gap into usable cash.
Working Capital for the Planning/Probate Balance
An unsecured, revenue-based working line carries the back-loaded probate side so the practice runs without leaning on the planning side’s cash.
Capital for Book Growth & Client Development
Financing the firm’s marketing and intake up front builds the client pipeline ahead of the engagements it produces, so growth runs on the schedule you set rather than the one cash allows.
Revenue-Based Book Acquisition
Acquire a retiring attorney’s client book on revenue-based, capital-stacked financing — sized to the practice, not an SBA queue.
Match Your Situation
The Funding Gaps We Bridge for Estate Planning Firms
Match your situation to the structure. Every one of these funds on the firm’s revenue and earned fees, not a perfect credit file.
| What It Looks Like | Funding Solution | Amount | Speed | |
|---|---|---|---|---|
| Banks won’t lend against a client book or pending probate | Revenue and receivables underwriting | Working Capital | $75K–$5M+ | 1–3 days |
| Probate fees are paid months-to-years out | A line advances against earned administration fees | Business LOC | $75K–$5M+ | 1–5 days |
| Book value isn’t bankable collateral | Revenue-based acquisition financing | Working Capital | $75K–$5M+ | 1–3 days |
The Products
How Estate Planning Firm Financing Is Structured
Most law-firm files fund between $75K and $5M+, structured to the probate timing gap, book growth, or the office and planning-tech build. Larger lines available when revenue, cash flow, and story qualify.
| Amount | Term | Best For | Funding Speed | Typical Structure | |
|---|---|---|---|---|---|
| Business LOC | $75K–$5M+ | Revolving | Probate timing gap | 1–5 days | Unsecured line, no PG by default |
| Working Capital | $75K–$5M+ | 6mo–10yr | Planning/probate balance, growth | 1–3 days | Often unsecured, daily/weekly ACH |
| Invoice Factoring | $75K–$5M+ | Per invoice | Earned administration fees | 1–2 days | Receivables secure the line |
| Equipment Financing | $75K–$5M+ | 2yr–7yr | Planning software, office build-out | 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
“Estate work is two practices on two clocks — planning that bills the day you do it, and probate that often pays only when the estate finally settles, months or years later. The firms that grow steadily are the ones that don’t let the back-loaded probate side starve the practice while it waits. We fund that timing gap — the earned-but-unpaid administration fees — and the capital to acquire a retiring attorney’s book, on an unsecured, revenue-based line. Bridge the probate clock and the practice stops running months behind its own earned fees — you get paid for the work when you do it, not whenever the estate finally settles.”
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 estate planning 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
Estate Planning & Probate Law Firm Financing
Two Practices on Two Clocks
Estate work is two practices running on two different clocks — planning that bills the day you do it, and probate that often pays only when the estate finally settles, months or years later. The firms that grow steadily are the ones that don’t let the back-loaded probate side starve the practice while it waits. We fund that timing gap — the earned-but-unpaid administration fees — and the capital to acquire a retiring attorney’s book, on an unsecured, revenue-based line, so the probate work pays you now instead of at settlement.
One Application, 70+ Lenders
Whether it’s a line against earned-but-unpaid administration fees, working capital for the planning/probate balance, or revenue-based financing to acquire a retiring attorney’s book, we connect you with 70+ lenders who fund law firms every week. Working capital, lines of credit, receivables advances, 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
Estate Planning Financing — Questions, Answered
Yes — a working line advances against administration fees you’ve earned but won’t collect until the estate settles.
Yes — revenue-based, capital-stacked financing sized to the practice, since book value isn’t bankable collateral.
A line of credit is unsecured and revenue-based by default; receivables financing can be secured against the probate AR for better terms, but it’s optional.
A signed application plus four months of bank statements, a P&L, a balance sheet, and two years of returns. If recent years show losses, the specialist desk can underwrite on four months of bank statements.
Yes — revenue-based and capital-stacked on the practice’s revenue, not an SBA 7(a) acquisition.
Recommended Funding
The Products That Fit Estate Planning Work
Business Line of Credit →
A revolving line bridges the probate clock and draws against earned fees.
Working Capital Loans →
Carry the back-loaded probate side and fund book growth and client development.
Invoice Factoring →
Advance against earned-but-unpaid administration fees instead of waiting on settlement.
Equipment Financing →
Finance planning software and office build-out — §179 included.
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