The Pinch Points
Why IP Firms Come to Us for Capital
An IP practice bankrolls its clients twice — once on the filing fees you front per matter, again on the years of prosecution WIP you carry before it bills. Our lenders read the firm’s revenue, not a pending docket. Sound familiar?
The Foreign-Filing Float
National-phase and foreign patent filings run $5K–$30K+ per country in fees and foreign-associate costs — fronted on the client’s behalf, often months before reimbursement.
The Prosecution WIP
Patent and trademark prosecution stretches over years; a single matter carries $15K–$60K in unbilled WIP across two to five years before it bills and collects.
The IP-Litigation Case Cost
Infringement litigation needs technical experts and e-discovery — $50K–$250K+ a case, carried through a multi-year docket.
The Portfolio-Client Concentration
A few large portfolio clients drive the practice; their slow-pay AR — $60K–$200K outstanding — can strain cash even in a strong year.
The Docketing and Annuity Burden
Maintenance fees and annuities run $1K–$3K per patent per year; a 200-patent portfolio client is $200K–$600K in annuities the firm often fronts.
Buying In or Acquiring a Practice
A partner buy-in or acquiring an IP boutique’s portfolio is a $250K–$1.5M move that won’t wait on a slow approval queue.
What an operator said
“We were fronting six figures a year in foreign filings and waiting on portfolio clients to reimburse. The filing line and a WIP advance smoothed it out — we stopped letting a filing deadline turn into a cash-flow meeting.”
M. Brandt · IP boutique · San Jose, 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 IP Firms
Working Capital for the Filing Float
An unsecured, revenue-based working line fronts foreign and USPTO filing fees and annuities so deadlines never become a cash decision.
A Line Against Prosecution & Portfolio Receivables
A working line advances against unbilled WIP and slow portfolio AR, turning long timelines into usable cash.
Case-Cost Capital for IP Litigation
Funding the experts and e-discovery on infringement litigation lets you carry the multi-year cases without draining the prosecution side.
Revenue-Based Acquisition & Buy-In Capital
Acquire a boutique’s portfolio or fund a buy-in on revenue-based, capital-stacked financing — not an SBA queue.
Match Your Situation
The Funding Gaps We Bridge for IP 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 won’t lend against unbilled WIP or pending filings | Revenue and receivables underwriting | Working Capital | $75K–$5M+ | 1–3 days |
| Foreign filings are five figures, fronted per matter | Working capital fronts the filing float | Working Capital | $75K–$5M+ | 1–3 days |
| Portfolio AR and prosecution timelines are long | A line advances against WIP and receivables | Business LOC | $75K–$5M+ | 1–5 days |
The Products
How IP Firm Financing Is Structured
Most law-firm files fund between $75K and $5M+, structured to the filing float, the prosecution WIP, or the office and docketing 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 float, annuity deadlines | 1–5 days | Unsecured line, no PG by default |
| Working Capital | $75K–$5M+ | 6mo–10yr | Prosecution WIP, litigation costs | 1–3 days | Often unsecured, daily/weekly ACH |
| Invoice Factoring | $75K–$5M+ | Per invoice | Slow portfolio receivables | 1–2 days | Receivables secure the line |
| Equipment Financing | $75K–$5M+ | 2yr–7yr | Docketing software, secure infra | 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
“IP is a practice where the firm bankrolls its clients twice — once on the foreign and USPTO filing fees you front per matter, and again on the years of prosecution WIP you carry before the work bills and collects. Add infringement litigation and you’ve got real money out across long horizons on behalf of clients who pay on their own schedule. We fund that float — the filings, the WIP, the litigation costs — on an unsecured, revenue-based line. The §179 on your docketing systems and office is a footnote; carrying the float is the practice. The capital that keeps a filing deadline from being a cash decision.”
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 intellectual property 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
Intellectual Property Law Firm Financing
A Practice That Bankrolls Its Clients Twice
IP is a practice where the firm fronts money on its clients’ behalf twice over — once on the foreign and USPTO filing fees you pay per matter, and again on the years of prosecution WIP you carry before the work bills and collects. Add infringement litigation, with its experts and e-discovery, and there’s real money out across long horizons against clients who pay on their own schedule. We fund that float — the filings, the WIP, the litigation costs — on an unsecured, revenue-based line, so a filing deadline never turns into a cash-flow decision.
One Application, 70+ Lenders
Whether it’s a working line for the filing float, a line against unbilled WIP and portfolio AR, or equipment financing for docketing systems and secure infrastructure, 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
Intellectual Property Financing — Questions, Answered
Yes — an unsecured, revenue-based working line fronts the filings and annuities.
Yes — a working line advances against prosecution WIP and slow portfolio receivables.
A line of credit is unsecured and revenue-based by default; receivables financing can be secured against WIP or 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 firm revenue, not an SBA 7(a) loan.
Recommended Funding
The Products That Fit Intellectual Property Work
Business Line of Credit →
A revolving line fronts foreign and USPTO filings and draws against WIP.
Working Capital Loans →
Carry the prosecution WIP and IP-litigation case costs across long timelines.
Invoice Factoring →
Advance against slow portfolio AR instead of waiting on reimbursement.
Equipment Financing →
Finance docketing systems and secure infrastructure — §179 included.
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