Capital solutions designed for the unique cash flow challenges of legal practices. Fund case expenses, cover payroll, and grow your firm without waiting on settlements or slow-paying clients.
Reviewed by MFE Funding Team | Updated March 2026
Convert outstanding client invoices into immediate cash. Stop waiting 30, 60, or 90 days for payment. Ideal for firms billing hourly with slow-paying corporate clients.
Lump-sum funding to cover ongoing operating expenses — payroll, rent, insurance, and case costs — while waiting on contingency cases to settle.
Draw only what you need, when you need it. Perfect for managing fluctuating case loads and unpredictable monthly expenses without over-borrowing.
An advance against future revenue with flexible repayment tied to your firm's income. Especially useful when you need capital quickly and cash flow is variable.
Finance legal software, server upgrades, conference room AV systems, or office furniture. Preserve cash flow while acquiring the technology your firm needs to compete.
Fixed daily or weekly ACH payments sized to your firm's revenue. Payments scale down during slow periods, reducing financial strain during litigation lulls.
The legal industry operates on a financial model unlike almost any other profession. Understanding these unique pressures is why Merchant Fund Express structures funding specifically for law firms.
Personal injury, workers compensation, and class action practices run almost entirely on contingency. Attorneys front every dollar — filing fees, expert witnesses, depositions, accident reconstruction, medical records retrieval, and staff time — sometimes for years before a single dollar of revenue arrives. A firm with 40 active contingency cases can have hundreds of thousands of dollars tied up in unrealized receivables while payroll comes due every two weeks.
This is not a sign of poor management. It is the structural reality of contingency law practice. The right financing product bridges that gap between expense and revenue without requiring attorneys to turn down viable cases simply because capital is constrained.
Corporate, transactional, and litigation firms billing on hourly or retainer models face a different but equally real cash flow challenge. Clients — particularly large corporate clients — routinely pay invoices 30 to 60 days after receipt, and sometimes longer. A busy 10-attorney firm might have $300,000 in outstanding receivables at any given time. Payroll, however, cannot wait 60 days.
Invoice factoring resolves this directly. Rather than waiting for clients to pay, the firm sells those outstanding invoices to a factoring company and receives an immediate advance — typically 80 to 90 percent of the invoice value — within 24 to 48 hours. When the client pays, the remaining balance (minus a small fee) is forwarded to the firm. The result is predictable cash flow regardless of when clients actually pay.
Growth in a legal practice — hiring a new associate, opening a second office, acquiring another firm's book of business, or investing in legal technology platforms — requires significant upfront capital. Traditional bank loans move slowly and often require years of audited financials, real estate collateral, and SBA guarantees. By the time a bank approves financing, the growth opportunity may have passed.
Merchant Fund Express provides decisions in 24 hours and funding in 72 hours. For firms with strong monthly revenue, qualification is straightforward and does not require collateral on most products.
Even in non-contingency practices, major litigation cases generate substantial disbursement requirements. Expert witness retention can cost $10,000 to $50,000 per expert. Electronic discovery platforms charge per gigabyte. Trial preparation for a large commercial case can consume $100,000 in out-of-pocket costs before a single day in court. Working capital financing allows firms to fund these disbursements without depleting operating reserves or delaying filings.
Hire associates, paralegals, and support staff. Cover payroll during slow revenue periods without drawing down partner capital accounts.
Retain expert witnesses, fund electronic discovery, cover deposition costs, and pay for court reporters without depleting operating accounts.
Invest in case management software, document automation, client portals, cybersecurity systems, and cloud infrastructure that make your practice more efficient.
Fund digital advertising, SEO campaigns, content marketing, and referral programs to build a consistent pipeline of new clients.
Open a second location, renovate existing office space, or build out a new conference and deposition suite to better serve clients.
Acquire a retiring attorney's client book, buy into a partnership, or fund a merger with a complementary practice to accelerate growth.
Merchant Fund Express has designed its qualification criteria to reflect the realities of legal practice cash flow — not the assumptions of traditional bank lending.
| Requirement | Minimum Standard | Notes |
|---|---|---|
| Time in Business | 6 months | Established firms with 2+ years qualify for larger amounts |
| Monthly Revenue | $10,000/month | Averaged over most recent 3 months of bank statements |
| Credit Score | 550+ | Higher scores qualify for better rates and larger amounts |
| Business Bank Account | Required | Must be in business name; 3-6 months statements required |
| Collateral | Not required | Most products are unsecured; general lien on business assets may apply |
| Practice Type | All practice areas | PI, criminal defense, corporate, family law, real estate, immigration |
Fill out our secure application in under 5 minutes. Basic business information required.
Upload 3-6 months of business bank statements. No tax returns required for most products under $500K.
A funding specialist reviews your application and presents approved offers within 24 hours.
Sign your agreement and receive funds via ACH transfer — as fast as the same business day for approvals.
Or call us at (305) 384-8391 to speak with a funding specialist.
We offer working capital loans, business lines of credit, merchant cash advances, equipment financing, invoice factoring, and revenue based financing tailored for law firms and legal practices.
Law firms can typically qualify for $10,000 to $5 million depending on monthly revenue, time in business, and credit profile. Most established firms qualify for $150,000 to $2 million.
Yes. Invoice factoring allows law firms to convert outstanding client invoices into immediate cash. You receive an advance on unpaid invoices so you can cover payroll and operating costs without waiting 30, 60, or 90 days.
Common uses include funding case expenses, hiring support staff, covering expert witness fees, office expansion, technology upgrades, marketing, and bridging cash flow gaps between case settlements and expenses.
Most law firm financing applications are reviewed within 24 hours. Approved firms can receive funding in as little as 24 to 72 business hours after completing the application and submitting required documents.
Many of our law firm financing products are unsecured, meaning no specific collateral is required. Approval is primarily based on your firm's monthly revenue and overall financial health.
Yes. Solo practitioners and small firms with at least 6 months in business and $10,000 or more in monthly revenue can qualify. We work with practices of all sizes.
Typically we require 3-6 months of business bank statements, a completed application, and basic business information. Additional documents such as tax returns or accounts receivable aging may be requested for larger funding amounts.
Apply in minutes. Get a decision in 24 hours. Fund your firm's growth, cover case expenses, and eliminate cash flow stress.
Apply for Law Firm FinancingQuestions? Call (305) 384-8391