Family law runs on retainers that get consumed fast and clients whose ability to pay changes mid-case. Between contested custody battles that run $50K+, flat-fee divorces that compress margins, and the overhead of a client-facing office — family law firms need reliable capital.
This Is Why You're Here
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
Slide the calculator to see your estimated approval range. Then answer 3 quick questions to lock it in. No documents needed. No credit impact.
Built for Your Business
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.
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.
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.
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.
What You're Up Against
| Challenge | What It Looks Like | Funding Solution | Amount | Speed |
|---|---|---|---|---|
| Custody evaluation costs | Court-ordered custody evaluators charge $5K–$15K per evaluation, and judges expect them on every contested case — your client's retainer won't cover it | Working capital | $10K–$50K | 1–2 days |
| Lengthy divorce proceedings draining cash | High-asset divorces stretch 12–24 months with continuous expert, discovery, and court costs while retainers deplete in weeks | Business LOC | $25K–$200K | 1–5 days |
| Forensic accounting fees | Hidden assets, business valuations, and lifestyle analyses require forensic CPAs at $8K–$15K per engagement on high-net-worth cases | Working capital | $10K–$75K | 1–2 days |
| Mediation expenses | Private mediators charge $3K–$8K per session, and complex custody or property cases often require multiple sessions before resolution | Working capital or LOC | $10K–$40K | 1–3 days |
| Associate attorney hiring | Caseload overflow requires a new associate — salary, bar dues, malpractice insurance, and onboarding cost $25K+ before they bill a single hour | Working capital | $25K–$100K | 1–3 days |
Pricing Transparency
| Product | Amount | Term | Rate | Speed |
|---|---|---|---|---|
| Working Capital | $10K–$2M | 3-18mo | 1.1-1.4 factor | 1-3 days |
| Business LOC | $10K–$5M | Revolving | 8-24% APR | 1-5 days |
| Invoice Factoring | $10K–$5M | As invoiced | 1-4% per 30 days | 1-2 days |
| SBA Loans | $50K–$5M | 5-25yr | 6-10% APR | 3-4 weeks |
| Term Loans | $50K–$5M | 1-7yr | 7-18% APR | 2-7 days |
Rates vary by credit, revenue, and time in business. These are typical ranges.
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, Basecamp Funding - Founder
How It Works
No paperwork avalanche. No bank lobby. No guessing.
Answer a few quick questions about your business. No documents needed yet.
We check your options with zero impact on your FICO. Your score stays untouched.
Your profile is matched to 70+ lending partners. They compete - you never hear from them directly.
Your funding specialist presents your best options. No spam calls. No runaround.
Choose the rate and terms that fit. Sign digitally. Funds hit your account - same day available.
Family Law Capital Uses
Keep associates, paralegals, and staff paid during settlement gaps. Bridge the 30-90-day collection cycle.
Expert witnesses, depositions, medical records, court costs — fund litigation without depleting reserves.
SEO, Google Ads, LSAs, TV, radio, content marketing. Invest in the cases you want to take.
Practice management, AI tools, client portals, cybersecurity. Stay competitive and efficient.
New office, renovation, second location. Project the credibility your clients expect.
New associates, of counsel arrangements, support staff. Scale without waiting on settlements.
Full Transparency
Most lenders won't tell you this upfront. We will.
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.
68% of loan denials happen because of weak financials at time of application. The best time to apply is when your business is performing — not when you're scrambling.
Ready?
Slide the calculator, answer 3 questions, and a specialist pulls your options within the hour.
Click any specialty for tailored financing options.
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Learn More →FAQs
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.
60 seconds. No credit impact. No obligation.
See What You Qualify For →No hard credit pull · Free to check · Nationwide