The Pinch Points
Why Immigration Firms Come to Us for Capital
Immigration is a volume business that runs on fronted money — government fees and marketing out the door per case, collected back from clients over months. Our lenders read the firm’s revenue and caseload, not a perfect file. Sound familiar?
The Filing-Fee Front
USCIS and premium-processing fees are real money out per case — $1K–$3K+ each, often fronted before the client has paid in full.
The Payment-Plan Lag
Clients pay flat fees over months; a busy practice can have $40K–$120K in scheduled payments still outstanding while staff and rent are due now.
The Marketing-to-Fee Lag
Immigration is referral- and marketing-driven — $5K–$20K a month in client acquisition spent ahead of the fees those cases generate.
The Volume Staffing Ramp
Growth means paralegals and associates — $8K–$15K a month per hire — added before the caseload they’ll carry fills in.
The Policy-Surge Whiplash
A policy change or filing deadline can triple demand overnight; you staff and front fees for the surge before the revenue catches up.
Opening an Office or Buying a Practice
A second office or acquiring another immigration practice’s book is a $150K–$600K move that won’t wait on a slow approval queue.
What an operator said
“When the policy changed we had triple the filings overnight and no cash to staff up for it. The working line let us hire and front the fees — we captured the surge instead of turning families away.”
S. Patel · immigration law firm · Houston, TX
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 Immigration Firms
Working Capital for the Filing-Fee Float
An unsecured, revenue-based working line fronts the government filing and premium-processing fees so a full caseload never strains the operating account.
A Line Against Payment-Plan Receivables
A working line advances against scheduled client payments, turning months-out flat fees into usable cash now.
Capital for the Volume Ramp
Financing the paralegals, associates, and second-office build-out lets you staff ahead of the caseload instead of behind it.
Revenue-Based Growth & Acquisition Capital
Open an office or acquire a practice’s book on revenue-based, capital-stacked financing — not an SBA queue.
Match Your Situation
The Funding Gaps We Bridge for Immigration Firms
Match your situation to the structure. Every one of these funds on the firm’s revenue and receivables, not a perfect credit file.
| What It Looks Like | Funding Solution | Amount | Speed | |
|---|---|---|---|---|
| Banks want collateral, not a flat-fee caseload | Revenue and receivables underwriting | Working Capital | $75K–$5M+ | 1–3 days |
| Filing fees and marketing are cash out per case, early | Working capital fronts the float | Working Capital | $75K–$5M+ | 1–3 days |
| Clients pay over months; staff is paid now | A line advances against scheduled payments | Business LOC | $75K–$5M+ | 1–5 days |
The Products
How Immigration Firm Financing Is Structured
Most law-firm files fund between $75K and $5M+, structured to the filing-fee float, the payment-plan gap, 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 | |
|---|---|---|---|---|---|
| Business LOC | $75K–$5M+ | Revolving | Filing-fee float, payment-plan gap | 1–5 days | Unsecured line, no PG by default |
| Working Capital | $75K–$5M+ | 6mo–10yr | Marketing spend, staffing ramp | 1–3 days | Often unsecured, daily/weekly ACH |
| Invoice Factoring | $75K–$5M+ | Per invoice | Scheduled client payment plans | 1–2 days | Receivables secure the line |
| Equipment Financing | $75K–$5M+ | 2yr–7yr | Case 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
“Immigration law is a volume business that looks like a service business — you front government fees and marketing on every case and collect the flat fee from the client over months, which means a busy, growing practice is almost always short of cash even when it’s deeply profitable. The constraint isn’t demand; it’s the float. We fund it — the filing fees, the payment-plan gap, the staffing ramp — on an unsecured, revenue-based line. Fund the float, and a full caseload finally pays like the profitable business it already is — cash on hand instead of cash tied up in cases you’ve already earned.”
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 immigration 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
Immigration Law Firm Financing
A Volume Practice That Runs on Fronted Money
Immigration is a flat-fee, high-volume practice, and in cash-flow terms that makes it brutal: you pay the government filing and premium-processing fees per case and spend on marketing up front, then collect the flat fee from the client over months. A busy, profitable firm can still be short of cash because the money is out the door ahead of the fees. We fund that float — the filing fees, the payment-plan gap, and the staffing ramp — on an unsecured, revenue-based line, so a full caseload turns into cash on hand instead of a strained account.
One Application, 70+ Lenders
Whether it’s a working line for the filing-fee float, a line against scheduled client payments, or equipment financing for case software and office build-out, 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
Immigration Financing — Questions, Answered
Yes — an unsecured, revenue-based working line fronts the per-case government fees and client-acquisition spend.
Yes — a working line advances against scheduled client payments.
A line of credit is unsecured and revenue-based by default; receivables financing can be secured against the payment plans for better terms, but that’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 — structured revenue-based and capital-stacked on firm revenue, not an SBA 7(a) loan.
Recommended Funding
The Products That Fit Immigration Work
Business Line of Credit →
A revolving line fronts filing fees and draws against scheduled client payments.
Working Capital Loans →
Carry marketing spend and the staffing ramp ahead of the fees they generate.
Invoice Factoring →
Advance against payment-plan receivables instead of waiting months to collect.
Equipment Financing →
Finance case-management software and office build-out — §179 included.
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