Revenue-Based Financing for Law Firms
A big settlement hits in March, another in July, nothing until October. Contingency fee timing is inherently unpredictable. Revenue-based financing ties payments to your actual fee deposits, automatically adjusting to the natural variation in legal practice cash flow.
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Perfect for Contingency Fee Practices
Revenue-based financing calculates payments as a percentage of your deposits. Since legal fee collection follows unpredictable case timing, payments automatically match your actual cash flow.
Settlement Timing Match
An 8% revenue share on a $75,000 settlement month means $6,000 payment. That same 8% on a $25,000 retainer month means only $2,000. Built-in flexibility.
Contingency Fee Reality
Personal injury, class action, and contingency practices have inherently unpredictable cash flow. Revenue-based acknowledges this reality.
Settlement Month Comfort
When big settlements hit, you have the cash to make larger payments. Slow months automatically adjust down.
Automatic Adjustment
No negotiation or modification requests. Structure adjusts based on actual deposits automatically.
Why Fixed Payments Create Stress
Legal fee timing is inherently unpredictable. Financing should acknowledge this.
Fixed Payments vs. Variable Fees
A $5,000 monthly payment is easy when $80,000 settles but crushing when only $15,000 in retainers comes in.
Settlement Timing Unpredictability
Cases settle when they settle. You cannot predict which month brings the big fee.
Contingency Concentration
Contingency practices may see 70% of annual fees in a few settlement months.
Slow Month Cash Strain
Fixed payments during months between settlements strain operations.
Case Pipeline vs. Cash Flow
Strong pipeline does not mean current cash. Significant cases may take years to settle.
Practice Growth
Growing case volume creates more investment before fees, increasing variability.
Revenue-Based Financing Process
Get approved with payments that automatically match your fee flow.
Application
Complete application with firm information and capital needs.
10-15 minutes
Bank Statements
Provide 4-6 months bank statements showing fee deposit patterns.
Upload documents
Evaluation
We analyze fee patterns and deposits to determine terms.
24-72 hours
Funding
Accept terms with percentage-based payments. Funds deposited.
1-2 days
Payments That Match Legal Reality
Revenue-based financing ties payments to actual fee deposits. Settlement months pay more when you have the cash. Slow months adjust automatically. Natural alignment with legal practice operations.
Fee Collection Flex
Payments follow actual deposits. Slow month means smaller payment.
Settlement Month Comfort
Big settlement means larger payment when you have cash. Comfortable timing.
Fast Access
Most applications receive decisions within 24-72 hours.
Contingency Compatible
Designed for the inherent unpredictability of contingency practice.
No Negotiation
Payments adjust automatically. No modification requests.
Growth Alignment
Growing fees mean comfortable payment growth.
Revenue-Based for Law Firms
Common applications where fee-aligned payments work well.
Case Expense Investment
Finance case expenses with payments that track fee collection.
Typical funding: $30K-$150K
Working Capital
Operating capital with payments that flex with fees.
Typical funding: $25K-$100K
Technology Investment
Case management and technology with flexible repayment.
Typical funding: $20K-$75K
Associate Hiring
Fund associate while case production builds.
Typical funding: $50K-$150K
Marketing Campaign
Client acquisition with repayment tied to results.
Typical funding: $20K-$75K
Office Improvement
Firm improvements paid through enhanced practice.
Typical funding: $30K-$100K
Revenue-Based vs. Fixed Payment Options
Understanding how revenue-based differs from traditional financing.
| Feature | Revenue-Based | Fixed Term Loan | Bank Loan |
|---|---|---|---|
| Payment Structure | % of fee deposits | Fixed monthly | Fixed monthly |
| Settlement Month Adjustment | Automatic up | None | None |
| Slow Month Adjustment | Automatic down | None | None |
| Speed | 24-72 hours | 1-3 weeks | 30-60 days |
| Fee Timing Value | Primary factor | Considered | Minor factor |
| Total Cost | Known factor | Known APR | Known APR |
| Best For | Contingency practice | Budget certainty | Lowest cost |
| Documentation | Bank statements | More extensive | Extensive |
Revenue-Based Requirements
What qualifies law firms for revenue-based financing.
Fee Collection History
Consistent fee deposits through bank account.
$30,000+ monthly average
Practice History
Established law firm with proven operations.
1+ year preferred
Fee Patterns
Regular deposits showing operational consistency.
Consistent patterns
Active Cases
Active caseload demonstrating practice health.
Active pipeline
Active Operations
Currently operating firm with fee collection.
Active practice
Positive Trajectory
Stable or growing fee collection.
Positive direction
Revenue-based financing emphasizes fee patterns over credit scores. Settlement timing variation is expected.
Real Results
Riverside Injury Law
Personal Injury, Florida
The Challenge
Riverside had classic contingency timing: $120,000 in March (settlement), $15,000 in April (retainers only), $90,000 in June (settlement). Fixed $6,000 payments were fine in settlement months but strained retainer months.
The Solution
Revenue-based financing for $70,000 at 8% of deposits. Settlement months paid $8,000-$10,000. Retainer months dropped to $1,200-$2,000 automatically.
The Result
Financing repaid primarily from settlement months when cash was abundant. Retainer month cash flow stress eliminated. Firm invested properly in case expenses.
“Retainer months with fixed payments were always tight. Revenue-based means slow months are slow payments. Finally financing that understands contingency practice.”
Legal Revenue Data
Understanding law firm fee collection patterns.
Why Law Firms Choose Revenue-Based
Benefits of fee-aligned payment structures.
Settlement Alignment
Pay more when settlements close and cash is available.
Slow Month Relief
Retainer-only months mean proportionally smaller payments.
Contingency Compatible
Designed for unpredictable contingency fee timing.
Growth Alignment
Growing fees mean comfortable payment growth.
Fast Access
Quick approval for case expenses.
Simple Process
Bank statements demonstrate fee patterns.