The Pinch Points
Why Medical Malpractice Firms Come to Us for Capital
The cases that win the biggest verdicts cost the most to work up, and they carry for years before a dollar comes back. Our lenders read the firm and the docket, not a four-year wait. Sound familiar?
The Expert-Heavy Case Cost
A single med-mal case needs $50K–$200K in medical experts, life-care planners, and record review — fronted three to five years before it resolves.
The Long Settlement Horizon
Med-mal cases routinely run four-plus years to verdict or settlement — the longest cash gap in plaintiff work, with every cost carried the entire way.
The Merit-Review Investment
You spend $10K–$30K in expert review just to decide whether a case is viable — real money out before you’ve even committed to the case.
The Concentrated Calendar
Fewer, bigger cases means a lumpy schedule; one delayed resolution can strain a firm that’s profitable on paper, with $40K–$90K in monthly burn rolling regardless.
The Cases You Pass On
A surgical-error case worth $500K–$2M in fees comes in, but you’ve already committed your case-cost capacity — so you decline the kind of case the firm is built to win rather than overextend.
Buying In or Acquiring a Firm
A partner buy-in or acquiring another firm’s med-mal docket is a $250K–$2M move that won’t wait on a slow approval queue.
What an operator said
“Our cases take four or five years and cost a fortune to work up — being profitable on paper didn’t help when two resolutions slipped a year. The case-cost line and a working line carried us through; we stopped turning away strong cases for cash reasons.”
R. Okonkwo · medical malpractice firm · Chicago, IL
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 Medical Malpractice Firms
Case-Cost Financing for Long-Horizon Litigation
An unsecured, revenue-based line advances against your pending med-mal portfolio, funding the experts and review through the years to resolution.
Working Capital for the Concentrated Calendar
Working capital carries the firm through the long, lumpy gaps a small high-value docket creates.
Capital for the Merit-Review Investment
Funding the up-front expert review lets you vet and take on more strong cases without the screening cost throttling intake.
Revenue-Based Acquisition & Buy-In Capital
Acquire a docket or fund a buy-in on revenue-based, capital-stacked financing — not an SBA queue.
Match Your Situation
The Funding Gaps We Bridge for Medical Malpractice Firms
Match your situation to the structure. Every one of these funds on the firm’s revenue and the pending portfolio, not a perfect credit file.
| What It Looks Like | Funding Solution | Amount | Speed | |
|---|---|---|---|---|
| Banks won’t lend against a four-year pending case | An unsecured, revenue-based line advances on the firm + portfolio | Case-Cost Line | $75K–$5M+ | 1–5 days |
| Expert and review costs are six figures, years early | A case-cost line funds the workup | Case-Cost Line | $75K–$5M+ | 1–5 days |
| Resolutions arrive unevenly across a small docket | Working capital carries the long gaps | Working Capital | $75K–$5M+ | 1–3 days |
The Products
How Medical Malpractice Firm Financing Is Structured
Most med-mal files fund between $75K and $5M+, structured to the case-cost float, the concentrated calendar, or the office and litigation-support build. Larger lines available when revenue, cash flow, and story qualify.
| Amount | Term | Best For | Funding Speed | Typical Structure | |
|---|---|---|---|---|---|
| Case-Cost Line | $75K–$5M+ | Revolving | Experts, life-care planners, review | 1–5 days | Advances on cases + firm revenue |
| Business LOC | $75K–$5M+ | Revolving | Concentrated-calendar working capital | 1–5 days | Unsecured line, no PG by default |
| Working Capital | $75K–$5M+ | 6mo–10yr | Payroll through the long gaps | 1–3 days | Often unsecured, daily/weekly ACH |
| Equipment Financing | $75K–$5M+ | 2yr–7yr | Litigation-support tech, office | 3–7 days | Equipment serves as collateral |
Tax Strategy
Section 179 on Office & Litigation 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
“Medical malpractice is the deep end of plaintiff work — the cases take years and cost six figures in experts before a dollar comes back, and the firms that win them are the ones who can afford to work them all the way up. The constraint is rarely talent; it’s the case-cost float, carried across a four-year horizon. We fund that float against your portfolio of pending cases — an unsecured line sized on the firm and the docket — so case-cost capacity stops deciding which meritorious cases you take. The §179 on your office and litigation-support tech is a minor extra; carrying the case costs is the whole game.”
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 medical malpractice 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
Medical Malpractice Law Firm Financing
The Longest Cash Gap in Plaintiff Work
Medical malpractice runs three to five years and six figures in medical experts, life-care planners, and record review before a case resolves — the longest, most expensive carry in plaintiff litigation. A firm profitable on paper can be cash-tight the moment two resolutions slip a year. We fund that case-cost float against the portfolio of pending cases — an unsecured, revenue-based line — so the firm carries the cases worth carrying instead of declining them for cash reasons.
One Application, 70+ Lenders
Whether it’s a case-cost line against your pending docket, working capital for the concentrated calendar, or equipment financing for litigation-support tech, we connect you with 70+ lenders who fund law firms every week. Case-cost 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
Medical Malpractice Financing — Questions, Answered
Yes — an unsecured, revenue-based line advances against your pending portfolio and firm revenue, sized for the long horizon.
A line of credit is unsecured and revenue-based by default; case-cost financing can be secured against your cases for better terms, but it’s optional.
Working capital carries the firm through the long gaps a concentrated high-value docket creates.
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’s revenue, not an SBA 7(a) acquisition.
Recommended Funding
The Products That Fit Medical Malpractice Work
Business Line of Credit →
A revolving line funds the expert workup and carries the long gaps.
Working Capital Loans →
Carry payroll through the lumpy calendar a concentrated docket creates.
Equipment Financing →
Finance litigation-support tech and office build-out — §179 included.
Invoice Factoring →
Advance against earned fees and receivables instead of waiting on the payout.
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