The Pinch Points
Why Mass Tort Firms Come to Us for Capital
Mass tort is a capital business wearing a litigation costume — the firm that signs and carries the biggest qualified docket wins. Our lenders size against the firm and the docket itself. Sound familiar?
The Client-Acquisition Spend
Building a mass-tort docket means real advertising and intake spend — $500K–$5M+ to sign the claimants — years before the settlement that monetizes them.
The Per-Claimant Case Cost
Every claimant carries record-gathering, medical review, and qualification cost; at $200–$2,000+ per claimant across thousands of claimants, the per-case float alone runs $1M–$10M.
The Common-Benefit Assessment
Steering-committee and common-benefit costs in an MDL are cash contributions due during the litigation, not after — $100K–$500K+ depending on the MDL’s size, capital out long before the fee.
The Multi-Year Global-Settlement Horizon
Mass torts resolve over a 3–7 year timeline, in waves — the firm carries the entire docket’s cost the whole way, with no payment until the global settlement lands.
The Docket You Can’t Scale
You’ve proven the case type, but scaling the claimant pool takes $500K–$3M in acquisition capital you’d have to pull from current operations — so growth throttles itself.
Acquiring a Docket or Co-Counsel Stake
Buying into a docket or acquiring another firm’s claimant inventory is a $1M–$5M+ move that won’t wait on a slow approval queue.
What an operator said
“We’d proven the case type but couldn’t scale the claimant pool without pulling cash out of the firm. Docket-backed financing let us sign the volume the litigation deserved — sized on the docket and our revenue, not pulled from operations.”
T. Delgado · mass tort 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 Mass Tort Firms
Docket-Backed Case-Cost Financing
An unsecured, revenue-based line funds claimant acquisition and per-case costs, sized against the firm and the pending docket, so the litigation can scale to its real opportunity.
Working Capital for the Multi-Year Carry
Working capital keeps payroll and overhead funded across the years a mass tort runs, so the firm operates at full strength while the docket matures.
Capital for Common-Benefit Assessments
Funding the steering-committee and common-benefit contributions keeps a leadership role from becoming a cash-flow strain mid-litigation.
Revenue-Based Docket Acquisition
Acquire a docket or co-counsel stake on revenue-based, capital-stacked financing — sized to the inventory, not an SBA queue.
Match Your Situation
The Funding Gaps We Bridge for Mass Tort Firms
Match your situation to the structure. Every one of these sizes against the firm and the pending docket, not a perfect credit file.
| What It Looks Like | Funding Solution | Amount | Speed | |
|---|---|---|---|---|
| Banks can’t value a pending mass-tort docket | Financing sizes against the firm + the docket | Docket-Backed Line | $75K–$5M+ | 1–5 days |
| Acquisition + carry is seven figures, years early | A docket-backed line funds the scale | Docket-Backed Line | $75K–$5M+ | 1–5 days |
| Global settlements resolve on no fixed schedule | Working capital carries the multi-year horizon | Working Capital | $75K–$5M+ | 1–3 days |
The Products
How Mass Tort Firm Financing Is Structured
Most mass-tort files fund between $75K and $5M+, structured to claimant acquisition, the multi-year carry, or the litigation-support and data build. Larger lines available when revenue, cash flow, and story qualify.
| Amount | Term | Best For | Funding Speed | Typical Structure | |
|---|---|---|---|---|---|
| Docket-Backed Line | $75K–$5M+ | Revolving | Claimant acquisition, per-case costs | 1–5 days | Sizes against firm + docket |
| Business LOC | $75K–$5M+ | Revolving | Common-benefit assessments, carry | 1–5 days | Unsecured line, no PG by default |
| Working Capital | $75K–$5M+ | 6mo–10yr | Multi-year carry through settlement | 1–3 days | Often unsecured, daily/weekly ACH |
| Equipment Financing | $75K–$5M+ | 2yr–7yr | Document-review platform, data infra | 3–7 days | Equipment serves as collateral |
Tax Strategy
Section 179 on Litigation Infrastructure — 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
“Mass tort is the one corner of law that’s really a capital business wearing a litigation costume — the firm that signs and carries the biggest qualified docket wins, and signing and carrying a docket is pure capital deployed years ahead of a global settlement. The constraint is never the merits; it’s how large a claimant pool you can fund. We size financing against the firm and the docket itself — an unsecured, revenue-based line — so the litigation scales to the opportunity instead of to last year’s fees. In mass tort, the size of your capital is the size of your case — fund the docket, and the litigation scales to the opportunity instead of to last year’s fees.”
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 a mass tort 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
Mass Tort & Class Action Law Firm Financing
The Docket Is the Asset
Mass tort is litigation at industrial scale: you carry client acquisition, per-case costs, and common-benefit assessments across hundreds or thousands of claimants for years before a global settlement pays. The firm that signs and carries the biggest qualified docket wins — and that is pure capital deployed ahead of the fee. We size financing against the firm and the docket itself — an unsecured, revenue-based line — so the litigation scales to its real opportunity instead of to last year’s fees.
One Application, 70+ Lenders
Whether it’s a docket-backed line for claimant acquisition, working capital for the multi-year carry, or equipment financing for a document-review platform, we connect you with 70+ lenders who fund law firms every week. Docket-backed lines, lines of credit, working capital, 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
Mass Tort Financing — Questions, Answered
Yes — an unsecured, revenue-based line sizes against the firm and the claimant inventory.
A line is unsecured and revenue-based by default; you can secure it against the docket receivables for better terms, but it’s optional.
Yes — working capital covers the assessments and the carry through a global-settlement timeline.
Signed application, four months bank statements, P&L, balance sheet, two years returns; if recent years show losses, the specialist desk can underwrite on four months of statements.
Yes — structured revenue-based and capital-stacked on the firm and inventory, not an SBA 7(a) loan.
Recommended Funding
The Products That Fit Mass Tort Work
Business Line of Credit →
A revolving line funds claimant acquisition and carries common-benefit assessments.
Working Capital Loans →
Carry the docket’s cost through a multi-year global-settlement timeline.
Equipment Financing →
Finance the document-review platform and data infrastructure — §179 included.
Invoice Factoring →
Advance against earned fees and receivables instead of waiting on the payout.
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