The Pinch Points
Why Tax Firms Come to Us for Capital
Tax controversy is a war of attrition — an audit or Tax Court matter can run three or four years, and the firm finances the entire fight before the engagement fully pays. Our lenders read the firm's revenue across the long carry. Sound familiar?
The Long-Controversy WIP
An IRS audit or Tax Court matter runs two to four years; the firm carries unbilled time and costs the whole way — $50K–$200K in WIP on an active controversy docket.
The Engagement-to-Collection Lag
Extended engagements bill in stages and collect slowly; a busy controversy practice can have $40K–$120K in AR outstanding against work already performed.
The Seasonal Compression
Advisory and compliance work compresses into tax season — capacity needs spike 30–50%, adding $15K–$30K a month in temp or contract staff for three to four months, carried against revenue that arrives unevenly across the year.
The Controversy Workup Cost
A complex matter needs forensic accountants, valuation experts, and appeals prep — $20K–$75K fronted before the engagement bills in full.
The Capacity to Staff Up
Adding a tax attorney or senior associate is $10K–$18K a month, carried before the matters they'll handle ramp up.
Buying In or Acquiring a Practice
A partner buy-in or acquiring another tax practice is a $200K–$1M move that won't wait on a slow approval queue.
What an operator said
“Our controversy matters take years, and we were financing them out of the advisory side's cash flow. The working line and a WIP advance let us take the big audits on their merits, not on whether we could carry them for three years.”
J. Okafor · tax law firm · Dallas, 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 Tax Firms
Working Capital for Long Engagements
An unsecured, revenue-based working line carries the firm across the years a controversy matter runs, so a multi-year docket never strains current cash.
A Line Against Controversy WIP & Receivables
A working line advances against unbilled time and staged-billing AR, turning long engagements into usable cash now.
Capital to Fight the Long Matters
Financing the experts and appeals a major controversy demands lets you take the IRS the distance, fully resourced, without pulling it from the operating account.
Revenue-Based Acquisition & Buy-In Capital
Buy in or acquire a practice on revenue-based, capital-stacked financing — not an SBA queue.
Match Your Situation
The Funding Gaps We Bridge for Tax Firms
Match your situation to the structure. Every one of these funds on the firm's revenue across the long carry, not a perfect credit file.
| What It Looks Like | Funding Solution | Amount | Speed | |
|---|---|---|---|---|
| Banks won't lend against multi-year WIP | Revenue and receivables underwriting | Working Capital | $75K–$5M+ | 1–3 days |
| Controversy matters resolve in years, not months | Working capital carries the long engagements | Working Capital | $75K–$5M+ | 1–3 days |
| Staged billing collects slowly | A line advances against the AR | Business LOC | $75K–$5M+ | 1–5 days |
The Products
How Tax Firm Financing Is Structured
Most law-firm files fund between $75K and $5M+, structured to the long-engagement carry, the WIP and staged-billing AR, or the office and research-tech build. Larger lines available when revenue, cash flow, and story qualify.
| Amount | Term | Best For | Funding Speed | Typical Structure | |
|---|---|---|---|---|---|
| Business LOC | $75K–$5M+ | Revolving | Staged-billing AR, season swings | 1–5 days | Unsecured line, no PG by default |
| Working Capital | $75K–$5M+ | 6mo–10yr | Multi-year engagement carry | 1–3 days | Often unsecured, daily/weekly ACH |
| Invoice Factoring | $75K–$5M+ | Per invoice | Unbilled time and WIP | 1–2 days | Receivables secure the line |
| Equipment Financing | $75K–$5M+ | 2yr–7yr | Research and case-mgmt software | 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
“Tax controversy is a war of attrition — an audit or a Tax Court matter can run three or four years, and the firm finances the entire fight before the engagement fully pays. The practices that take on the big, complex matters aren't the ones with the most cash; they're the ones who can carry years of WIP and resource the experts without flinching. We fund that — the long-engagement carry, the staged-billing AR, the controversy workup — on an unsecured, revenue-based line, so the length of the fight stops deciding which matters you take. The §179 on your tax and research software and office is a minor extra; carrying the engagements is the practice.”
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 tax law 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
Tax Law Firm Financing
The Firm Finances the Fight
Tax controversy runs for years — an audit or a Tax Court matter can take three or four to resolve, and the firm carries unbilled time, staged-billing AR, and the cost of forensic experts the entire way. The practices that take on the big, complex matters are the ones that can carry years of WIP and resource the experts without flinching. We fund that — the long-engagement carry, the staged-billing AR, and the controversy workup — on an unsecured, revenue-based line, so the length of the fight stops deciding which matters you take.
One Application, 70+ Lenders
Whether it's a working line across a multi-year docket, a line against unbilled time and staged-billing AR, or equipment financing for research and case-management software, 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
Tax Law Financing — Questions, Answered
Yes — an unsecured, revenue-based working line carries the firm across the years a matter runs.
Yes — a working line advances against unbilled time and slow-collecting receivables.
A line of credit is unsecured and revenue-based by default; receivables financing can be secured against the 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 Tax Law Work
Business Line of Credit →
A revolving line carries the season swings and draws against staged-billing AR.
Working Capital Loans →
Carry the firm across the years a controversy matter runs.
Invoice Factoring →
Advance against unbilled time and staged-billing receivables.
Equipment Financing →
Finance tax research and case-management software — §179 included.
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