This Is Why You're Here
Why Personal Injurys Come to Us Instead of Their Bank
You're 14 months into a catastrophic injury case. You've advanced $80K in expert witnesses and medical records. The case will settle for $1.5M+ but your operating account is empty.
Three strong PI cases came in this month — but each needs $15K-$25K in upfront case costs. You don't want to cherry-pick cases based on cash flow instead of merit.
Your competitor settled a mass tort case and is poaching your best paralegal with a $20K raise. You need to match the offer today or lose 5 years of training.
You just signed a wrongful death case worth $4M+ but the family needs an accident reconstructionist ($18K) and a toxicologist ($12K) before the statute deadline in 6 weeks. Your operating account has $3,200.
Settlement checks from two cases finally hit — but they're in your IOLTA account and disbursement takes 10 days. Payroll is $28K on Friday and your operating account is dry.
We had $1.8M in pending settlements but couldn't cover a $45K expert witness fee. Basecamp matched us with a lender in 6 hours — $175K funded by the next morning. We took on two more catastrophic injury cases that month.
Michael R., Managing Partner, PI Firm, Houston, TX
Personal Injury Financing
Get Your Personal Injury Business Funded in 60 Seconds
Slide the calculator to see your estimated approval range. Then answer 3 quick questions to lock it in. No documents needed. Soft-pull pre-qual.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
Soft-pull pre-qual · No obligation · Estimate only
Built for Your Business
Why Personal Injury Businesses Choose Basecamp
We Fund the 14-Month Wait
Contingency cases don't pay for a year or more. Banks see zero revenue and walk. Our lenders look at your settlement pipeline and fund based on what's coming — not what's deposited today.
Expert Witness Bills Covered Now
A single biomechanical engineer deposition runs $15K. Medical records, accident reconstruction, life care planners — it adds up to six figures before a case resolves. We fund those costs without liens on your cases.
Take Cases on Merit, Not Cash
Every PI attorney has turned down a strong case because they couldn't fund it. That stops when you have a $200K credit line. You pick cases based on merit, not your bank balance.
No Litigation Finance Strings
Litigation financiers want a cut of your settlement and a say in your strategy. Our lenders give you capital with zero case-level oversight. Your cases stay yours.
Bobby's Take
Bobby's Playbook for Personal Injury
Most personal injury firm owners encounter bank lenders who evaluate them on small-business templates that weren't built for professional services. What gets missed: contingent-fee structure with $4M expected settlements over 12-24 month case cycles produces cash flow banks don't know how to read. Specialist lenders fund PI practices on the actual cash-flow signature, not the bank's template. Here's how to position your transaction so the right specialists see it first.
Three things determine whether a PI firm transaction closes: case inventory value (number of cases × estimated settlement value × probability), case-aging in months, and your settlement-history track record. Not your personal FICO. Not your time in practice. Specialist PI lenders care about whether your case inventory supports a $3,000-$6,000/month payment over the case-cycle horizon — and whether your settlement track record proves the inventory will convert to actual fees on a predictable timeline.
The biggest mistake PI firm operators make: applying with the bank that holds their student loan accounts. That bank sees $280K in education debt before they see case inventory. The fix: apply through PI-specialty lenders (case-cost lenders, professional services lenders) that underwrite to case inventory rather than personal debt. Specialist PI lenders normalize student debt. Banks underwrite against the full balance.
contingency revenue deferred per delayed case-cost line
Where this gets interesting at scale: a PI firm growing from solo to small group, taking on mass-tort case volume, or acquiring a retiring attorney's case file doesn't need ONE loan. They need a working capital line for case-cost advances + a dedicated case-cost line for expert witnesses and depositions + sometimes a a revenue-based term loan against existing case-fee revenue to cover an acquisition + invoice factoring on settlement-pending cases. Four products, multiple lenders, one application — that's how solo PI attorneys scale into 5-10 attorney groups without bleeding personal cash (see /loans/business-acquisition).
The PI attorneys who scale fastest aren't the ones who waited until the next big settlement landed before taking on the next case. They're the ones who had a case-cost line ready so they could fund expert witnesses and discovery on the next case while the prior case was still in settlement. Every quarter you delay taking on a high-value case because you can't fund the case costs is $200,000-$500,000 in deferred contingency revenue. Run the numbers in 60 seconds — see what 70+ specialist lenders will offer your personal injury practice this week.
Bottom line:
PI attorneys get underwritten on $280K in student debt when $4M in expected settlements sit in case inventory. Apply through PI-specialty lenders that read the inventory — that's the difference between funding and decline.
Bobby Friel
Founder, Basecamp Funding
What You're Up Against
The Real Challenges Personal Injurys Face
Pricing Transparency
What Personal Injury Funding Actually Costs
Rates and terms depend on credit, revenue, time in business, and lender. Every business is unique — see what 70+ lenders will offer you in 60 seconds. Soft-pull pre-qual.
These are industry averages. Your actual rate depends on your revenue, credit profile, and time in business — it could be lower. Run your specific numbers in 30 seconds.
Calculate Your Real Cost →PI firms are sitting on millions in case value but can't make payroll — it's the craziest thing. We had a solo attorney with $3.2M in pending settlements who needed $80K to keep the lights on. Got him funded in a day. That's what we do.
Bobby Friel
Founder, Basecamp Funding
How It Works
From Application to Funded in 5 Steps
No paperwork avalanche. No bank lobby. No guessing.
60-Second Intake
Tell us about the firm, practice area, and monthly receipts. No retainer. No engagement letter.
Soft Credit Screen
We screen options with zero impact to your FICO or the firm's commercial credit profile.
Lenders Compete in the Background
Your file routes to 70+ lending partners who fund law firms. They compete; you stay focused on the docket.
One Specialist, Multiple Term Sheets
Your funding specialist walks through structures, draws, and how each affects firm liquidity. No runaround.
Choose Terms, Sign, Get Funded
Pick the structure that fits the case and the firm. E-signature. Capital lands as fast as same day.
Personal Injury Capital Uses
What Personal Injury Businesses Use Funding For
Payroll & Operations
Keep associates, paralegals, and staff paid during settlement gaps. Bridge the 30-90-day collection cycle.
Case Expenses
Expert witnesses, depositions, medical records, court costs — fund litigation without depleting reserves.
Marketing & Client Acquisition
SEO, Google Ads, LSAs, TV, radio, content marketing. Invest in the cases you want to take.
Technology & Software
Practice management, AI tools, client portals, cybersecurity. Stay competitive and efficient.
Office Space & Buildout
New office, renovation, second location. Project the credibility your clients expect.
Hiring & Expansion
New associates, of counsel arrangements, support staff. Scale without waiting on settlements.
Full Transparency
What Kills Your Qualification (And What Doesn't)
Most lenders won't tell you this upfront. We will.
✅ These Won't Stop You
These Can Be Deal-Breakers
Need commercial insurance for your personal injury business?
Professional liability and office coverage are required for most firm financing. InsuranceService365.com covers professional services across 29 states.
Don't Wait Until You Need Funding to Get Funded
Most firms wait until a trial expense or expert retainer hits to call us. The firms that win the long game pre-qualify when revenue is steady — that's when underwriting is friendliest. The best time to know your range is before you need to draw on it.
Ready?
See What Your Personal Injury Business Qualifies For
Slide the calculator, answer 3 questions, and a specialist pulls your options within the hour.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
Soft-pull pre-qual · No obligation · Estimate only
Other Law Firms Specialties We Fund
Click any specialty for tailored financing options.
Recommended Products
Recommended Funding for Personal Injury Businesses
Working Capital
Fund case expenses, marketing, and operations between settlements.
Learn More →Business Line of Credit
Revolving access for expert witnesses, depositions, and case costs.
Learn More →Invoice Factoring
Accelerate collections on outstanding client invoices.
Learn More →SBA Loans
Firm acquisition, partner buy-ins, and office expansion at low rates.
Learn More →FAQs
Personal Injury Business Loan FAQs
Personal Injury Attorney Loans & PI Law Firm Financing — $10K to $20M+
Here's the thing about PI law. You've got $3M in cases on the board but your operating account says $4,200. Expert witnesses cost $15K a pop. Medical records, depositions, accident reconstruction — you're floating $80K before a single case resolves. And your bank? They see zero income for 14 months and say no. We don't work like that. One application, 70+ lenders, soft-pull pre-qualification.
We fund PI firms every day. Solo attorneys who need $50K for case costs. Mid-size plaintiff's firms that need a $300K credit line for ongoing litigation expenses. Partners buying out a retiring attorney's $1.2M book of business through revenue-based capital stacking against settlement-pending revenue. Working capital funds in 24 hours. Lines of credit in 1-3 days. Your settlement pipeline is real revenue — our lenders actually get that.
Stop Discounting Cases Because Cash Is Tight. Get Your Personal Injury Practice Funded Today.
60 seconds. Soft-pull pre-qual. No obligation.
See What You Qualify For →Soft-pull pre-qual · Free to check · Nationwide