Working Capital

Business Line of Credit for Law Firms

Flexible, revolving capital you can draw on whenever your firm needs it. Only pay for what you use.

Get Your Credit Line

Why a Line of Credit?

A business line of credit gives you access to a pre-approved pool of capital you can draw from whenever you need it — and you only pay interest on what you actually use.

Cash flow in legal practice is inherently unpredictable. A line of credit means you’re never caught short when payroll is due, a case requires unexpected investment, or a growth opportunity appears.

What Firms Use It For

  • Covering payroll during slow billing months
  • Bridging gaps between invoicing and collections
  • Unexpected case costs or disbursements
  • Advertising campaigns and marketing to grow your client base
  • Seasonal hiring to handle growing caseloads
  • Technology upgrades or office improvements

How It Works

Once approved, your firm has access to a revolving credit facility. Draw what you need, when you need it. Repay it, and the full amount becomes available again.

Typical Terms

Credit Limits
£10,000 – £500,000
Structure
Revolving — repay and redraw
Interest
Only on drawn amounts
Repayment
Flexible minimum monthly payments
Reviews
Annual limit increase potential
Availability
24/7 access to funds

Eligibility

12+ Months in Practice

An established practice with demonstrable trading history and client relationships.

£10,000+ Monthly Revenue

Showing stable billing patterns and consistent revenue.

Eligible Borrowers

Eligible borrowers include SRA-authorised law firms, FCA-authorised claims management companies, and recognised barristers’ chambers.

FAQ

Questions & Answers

Everything you need to know about law firm financing

Most firms receive a decision within hours of applying. If you apply before 2pm on a business day, same-day decisions are available. Once approved and accepted, funds can be in your account as soon as the same business day.
No. We use a soft credit check during the initial assessment, which has zero impact on your personal or business credit score. A hard credit check is only performed if you choose to proceed with an accepted offer.
We evaluate your practice based on billing history, WIP pipeline, practice performance, and revenue consistency — not just a credit file. We understand legal cash flow dynamics and assess your practice holistically.
Not always. Depending on your firm's profile and the product you choose, we can structure funding without personal guarantees. This is assessed on a case-by-case basis during the application process.
We work with SRA-authorised law firms, FCA-authorised claims management companies, and recognised barristers’ chambers. Practice areas include personal injury, criminal defence, family law, immigration, commercial litigation, conveyancing, employment law, and more.
You repay a small, fixed percentage of your monthly revenue. When billing is strong, you pay more and clear the balance faster. When it’s quieter, payments automatically reduce. No fixed monthly instalments.

Ready to explore your options?

Check Eligibility

Your firm's next chapter starts here

Find out how much your practice qualifies for — no credit impact, same-day decisions.

Applying is free and won't impact your credit score.

Same Day
Decisions
FCA
Authorised
SRA
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Law Firm FundingRevenue-Based FinancingCase Cost FundingPractice AcquisitionsLines of CreditLegal Capital
Law Firm FundingRevenue-Based FinancingCase Cost FundingPractice AcquisitionsLines of CreditLegal Capital
Law Firm FundingRevenue-Based FinancingCase Cost FundingPractice AcquisitionsLines of CreditLegal Capital
Law Firm FundingRevenue-Based FinancingCase Cost FundingPractice AcquisitionsLines of CreditLegal Capital