This Is Why You're Here
Why Family Laws Come to Us Instead of Their Bank
A high-net-worth divorce case landed on your desk — $100K+ in projected fees. But the client's retainer is $15K and the case needs immediate forensic accounting work at $8K.
You hired a second associate to handle your overflow. Salary, bar dues, and office setup cost $25K before they bill a single hour. Your receivables won't cover it for 90 days.
Your office lease is up and you found a better space in a professional building. Build-out, furniture, and 3 months of rent total $45K. The location would attract higher-value clients.
Three clients stopped paying mid-case this month — $22K in outstanding retainer balances you'll never collect. You've still got 40 hours of work done that's essentially free. Rent is due in a week.
A guardian ad litem report came back and now you need a child psychologist ($6K) and a vocational expert ($4K) for a custody trial in 5 weeks. Your client is tapped out and can't replenish the retainer.
Retainers were running out mid-case and I was covering payroll from personal savings. Basecamp got me a $60K line of credit in 3 days — now I hire forensic accountants without blinking and my associates actually get paid on time.
Sarah M., Family Law Attorney, Scottsdale, AZ
Family Law Financing
Get Your Family Law 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 Family Law Businesses Choose Basecamp
Retainers Burn Fast — We Get It
A $10K retainer disappears in weeks on a contested custody case. Banks don't understand why your receivables look thin when you're actually swamped with work. Our lenders look at case volume and deposits, not retainer balances.
Clients Who Can't Pay Mid-Case
Divorce drains both parties financially. Your client's ability to replenish a retainer can vanish overnight. You need capital that doesn't depend on one client's finances — a credit line you control.
Forensic Experts Aren't Optional
High-asset divorces need forensic CPAs, business valuators, and custody evaluators. That's $8K-$15K per expert. You can't win these cases without them, and you can't fund them from retainers alone.
Your Office Is Your Credibility
Family law clients are going through the worst time of their life. They walk into your office and judge whether you can handle it. A professional space in the right location isn't vanity — it's client conversion.
Bobby's Take
Bobby's Playbook for Family Law
Most family law firm owners encounter bank lenders who evaluate them on small-business templates that weren't built for professional services. What gets missed: retainer-plus-hourly billing with predictable monthly recurrence and contested-case caseload produces cash flow banks don't know how to read. Specialist lenders fund family law 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 family law transaction closes: monthly retainer revenue, consultation-to-engagement conversion rate, and your case-pipeline depth. Not your personal FICO. Not your time in practice. Specialist family law lenders care about whether your monthly retainer 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 family law operators make: applying without showing trust-account replenishment patterns. Lenders see retainer trust deposits and operating revenue commingled and assume volatility. The fix: separate trust deposits, earned-fee withdrawals from trust, and direct operating revenue. Specialist family law lenders price earned-fee revenue as predictable. Generalist lenders apply general professional-services aging.
engagement-fee revenue lost without associate capacity
Where this gets interesting at scale: a family law firm adding an associate, opening a satellite office, 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 stacked with working capital to cover the acquisition or build-out + sometimes equipment financing for office and case-management technology. Three products, three lenders, one application — that's how solo family law practices scale into 3-5 attorney boutique firms.
The family law attorneys who scale fastest aren't the ones who waited for the next contested-divorce case to fund the next associate hire. They're the ones who had associate office space and salary capacity ready when case volume started outpacing their personal billable-hour capacity. Turning down high-value cases because you can't take them on is $100,000-$250,000 in annual engagement-fee revenue going to competing firms. Run the numbers in 60 seconds — see what 70+ specialist lenders will offer your family law practice this week.
Bottom line:
Family law firms get priced on commingled trust-and-operating deposits when earned-fee revenue is the predictable base. Separate the lines on the file — that's how a specialist sees the recurring engagement income.
Bobby Friel
Founder, Basecamp Funding
What You're Up Against
The Real Challenges Family Laws Face
Pricing Transparency
What Family Law 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 →Family law attorneys burn through retainers faster than clients can replenish them. One firm in Scottsdale was self-funding $8K forensic accounting bills on every custody case. We set them up with a $60K credit line — now they take every good case that walks in the door.
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.
Family Law Capital Uses
What Family Law 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 family law 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 Family Law 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
Recommended Funding for Family Law Businesses
Working Capital
Fund case expenses, marketing, and operations between settlements.
Learn More →Business Line of Credit
Revolving access for expert witnesses, depositions, and case costs.
Learn More →Invoice Factoring
Accelerate collections on outstanding client invoices.
Learn More →SBA Loans
Firm acquisition, partner buy-ins, and office expansion at low rates.
Learn More →FAQs
Family Law Business Loan FAQs
Family Law Firm Loans & Divorce Attorney Financing — $10K to $20M+
Look — family law has a cash flow problem nobody talks about. A client puts down a $10K retainer for a contested divorce. You burn through it in three weeks on forensic accountants, custody evaluators, and court prep. Now you're working for free until the client replenishes. And half the time? They don't. You eat the cost or withdraw from the case. Neither option is good.
We fund family law firms that are tired of this cycle. A $60K credit line means you hire the forensic CPA on every high-asset case without sweating the retainer balance. Working capital in 24 hours covers payroll when three retainers run dry in the same month. One application, 70+ lenders, no hard pull. Solo practitioners to 10-attorney firms — we've seen your exact situation before.
Stop Discounting Cases Because Cash Is Tight. Get Your Family Law Practice Funded Today.
60 seconds. Soft-pull pre-qual. No obligation.
See What You Qualify For →Soft-pull pre-qual · Free to check · Nationwide