The Pinch Points
Why Personal Injury Firms Come to Us for Capital
You are, in cash-flow terms, a lender to your own clients — every case is money out for years before the settlement repays it. Our lenders read the firm’s revenue and the docket, not a perfect file. Sound familiar?
The Case-Cost Float
Every case means money out — medical records, experts, accident reconstruction, filing — $5K–$50K a case, fronted one to three years before it settles. A growing docket can have $500K–$2M tied up in active case costs at any moment.
The Cases You Can’t Take
A strong case walks in but you’re already carrying all the cost you can, so you refer it out for a $25K–$75K referral fee instead of the full case, or pass. Growth is capped by your checkbook, not your win rate.
The Marketing-to-Settlement Lag
Client acquisition is real money up front — $1K–$5K a signed case in advertising and intake — spent years before the fee it generates lands.
The Lumpy Settlement Calendar
Settlements don’t arrive on a schedule; a dry quarter still has payroll, rent, and case costs due — a $40K–$100K monthly burn that runs whether or not a case resolved this month.
The Big-Case Cost Spike
A catastrophic-injury case needs $100K–$300K in experts and life-care planners — the cases worth the most cost the most to work up, exactly when you don’t want to be cash-constrained.
Buying In or Acquiring a Firm
A partner buy-in or acquiring a retiring attorney’s case inventory is a $250K–$2M move — capital that won’t wait on a years-long approval queue.
What an operator said
“We were referring out good cases because we’d tapped out what we could front. The case-cost line changed the math — we keep the cases now, funded against the firm instead of out of pocket. Last year was our biggest by a mile.”
J. Marsh · personal injury firm · Denver, CO
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 Personal Injury Firms
Case-Cost Financing Against Your Portfolio
An unsecured, revenue-based line advances against your book of pending cases — funding experts, depositions, and records — sized on the firm and the docket, not on what you can front out of pocket.
Working Capital Through the Settlement Gap
Working capital covers payroll and overhead through the lumpy stretch between case costs going out and settlements coming in.
Capital for Client Acquisition
Funding the advertising and intake that signs cases turns marketing from a cash-flow constraint into a growth lever — deployed ahead of the fees those cases generate.
Revenue-Based Acquisition & Buy-In Capital
Buy in, buy out a partner, or acquire a firm’s case inventory on revenue-based, capital-stacked financing — on the firm’s revenue, not an SBA queue.
Match Your Situation
The Funding Gaps We Bridge for Personal Injury Firms
Match your situation to the structure. Every one of these funds on the firm’s revenue and the case portfolio, not a perfect credit file.
| What It Looks Like | Funding Solution | Amount | Speed | |
|---|---|---|---|---|
| Banks want collateral and won’t lend against pending cases | An unsecured, revenue-based line advances on the firm and the case portfolio | Case-Cost Line | $75K–$5M+ | 1–5 days |
| Contingency income is lumpy and unpredictable | Working capital smooths the settlement calendar | Working Capital | $75K–$5M+ | 1–3 days |
| Case costs scale faster than retained earnings | A case-cost line funds the growth the wins justify | Case-Cost Line | $75K–$5M+ | 1–5 days |
The Products
How Personal Injury Firm Financing Is Structured
Most law-firm files fund between $75K and $5M+, structured to the case-cost float, the settlement 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 | |
|---|---|---|---|---|---|
| Case-Cost Line | $75K–$5M+ | Revolving | Experts, depositions, records | 1–5 days | Advances on cases + firm revenue |
| Business LOC | $75K–$5M+ | Revolving | Settlement-gap working capital | 1–5 days | Unsecured line, no PG by default |
| Working Capital | $75K–$5M+ | 6mo–10yr | Payroll through the lumpy calendar | 1–3 days | Often unsecured, daily/weekly ACH |
| Equipment Financing | $75K–$5M+ | 2yr–7yr | Case-management tech, 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
“A personal injury firm doesn’t have a cash-flow problem so much as a timing one — you are, in effect, a lender to your own clients, fronting every case cost a year or three before the settlement repays it. The firms that grow fastest aren’t the ones with the most cash on hand; they’re the ones who stop letting their checkbook decide how many cases they can carry. We fund case costs against your portfolio of pending settlements — an unsecured line sized on the firm and the docket — so a strong case is one you take, not one you refer out. The §179 on your case-management software and office is a footnote; the case-cost line is the point.”
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 personal injury 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
Personal Injury Law Firm Financing
You’re a Lender to Your Own Clients
A personal injury practice fronts the experts, the medical records, the depositions, and the filing costs for one to three years before a single case settles — on contingency, with no fee guaranteed. In cash-flow terms that makes the firm a lender to its own clients, and the size of the docket it can carry is set by the operating account, not the win rate. We fund those case costs against the portfolio of pending settlements — an unsecured, revenue-based line — so a strong case is one you keep instead of refer out.
One Application, 70+ Lenders
Whether it’s a case-cost line against your pending docket, working capital through the settlement gap, or equipment financing for case-management tech and office build-out, 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
Personal Injury Financing — Questions, Answered
Yes — an unsecured, revenue-based line advances against your portfolio of pending cases and the firm’s revenue.
A line of credit is unsecured and revenue-based by default — funded on the firm’s cash flow. Case-cost and A/R financing can be secured against your cases or receivables for better terms, but that’s optional.
Working capital smooths the gap between case costs going out and settlements coming in, so a dry quarter doesn’t strain payroll.
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 — buy-ins and acquisitions are structured revenue-based and capital-stacked on the firm’s revenue, which moves faster than an SBA 7(a) queue.
Recommended Funding
The Products That Fit Personal Injury Work
Business Line of Credit →
A revolving line funds case costs and carries the settlement gap.
Working Capital Loans →
Smooth payroll through the lumpy stretch between costs out and settlements in.
Equipment Financing →
Finance case-management 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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