LAW FIRM BUSINESS LOANS
Fast Funding Built Around How Law Firms Bill
Built For Legal Practices
Financing That Matches How A Law Firm Actually Bills
Dash Capital underwrites law firm business loans around your operating account cash flow, not a rigid credit cutoff, so a firm with strong, consistent deposits can qualify even while waiting on a large receivable. Whether you’re bridging a slow collections month or funding a lateral hire, our working capital loans are built to move at the speed a practice actually needs.
- No minimum credit score for working capital
- Funding in 24 to 48 hours
- Use funds for payroll, overhead, or marketing
- Access to 100 lenders, not one offer
- No upfront fees to apply
- Terms built around billing and collection cycles
Financing Options
Three Ways Law Firms Fund Growth With Dash Capital
Here’s how our core products map to the most common reasons attorneys come to us.
Working Capital
Term Loan
Line of Credit
The Practice Reality
Why Law Firm Financing Looks Different From Other Small Business Loans
A contingency practice can carry a matter for months or years before a fee arrives, while hourly clients routinely pay on 30 to 90 day terms. Overhead, meanwhile, runs on a strict monthly schedule regardless of case status. Generic small business lenders built for level, predictable monthly revenue often struggle to underwrite that pattern. Dash Capital’s working capital loans exist specifically to close that gap.
- Contingency fees can take months to arrive
- Hourly clients pay on 30 to 90 day terms
- Overhead runs every month regardless of billing
- Consistent deposit history builds a stronger file
How We Underwrite
Approved On Cash Flow, Not Just Credit
Dash Capital reviews your last four months of operating account bank statements instead, which means a firm with strong, consistent deposits can qualify even between large settlements. Read our guide on what credit score you need for a small business loan to see how this compares to a traditional bank application.
- 4 months of bank statements, not tax returns
- Deposit history weighed over credit score
- No hard credit pull for working capital
- Consolidation options if you carry existing advances
Real Firm Owners
Trusted By Law Firms Across Michigan
A 4.9 out of 5 rating built one funded firm at a time.
Get Law Firm Funding In 3 Simple Steps
Apply Online
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What Sets Us Apart
Financing Built Around A Firm's Real Numbers
No Minimum Credit Score
Same-Day Decisions
$10,000 to $500,000
Built Around Billing Cycles
Minimal Paperwork
What types of business loans does Dash Capital offer law firms?
Dash Capital offers working capital loans for payroll, rent, and day-to-day overhead, fixed-rate term loans for office buildouts and technology, revolving lines of credit for gaps between billing and collections, and SBA-backed term loans for firms that qualify for government-supported rates on a lateral hire or acquisition.
Our financing supports firm operations rather than individual case costs. Rather than pushing every applicant toward one product, we match your firm’s billing model and cash flow pattern to whichever option fits, drawing from a panel of more than 100 lenders instead of a single credit box.
How fast can my firm get approved and funded?
Most working capital applications get a decision the same day they’re submitted, with funds landing in your account within 24 to 48 hours of approval.
SBA loans and larger term financing take longer, typically one to three weeks, since they involve more documentation and a formal underwriting review. If payroll is due before a large receivable clears, working capital is almost always the faster path. See our guide to how long business loan approval takes for a full breakdown by product type.
Do I need a certain credit score to qualify?
There is no minimum credit score requirement for working capital. We underwrite primarily on your firm’s operating account deposits and cash flow, which means a firm carrying a large unresolved matter can still qualify if the deposit history supports it.
SBA financing does involve a credit check, since it follows federal guidelines, but our working capital and line of credit products do not require a hard pull. Read what credit score you need for a small business loan for the full picture across loan types.
Can I use this financing to cover case costs on a contingency matter?
Dash Capital’s products are structured to finance your firm’s operations, payroll, rent, marketing, technology, and overhead, rather than individual client case costs, which typically fall under specialized non-recourse litigation funding and can raise separate state bar considerations.
A working capital loan or line of credit is best used to keep the firm itself running smoothly while you manage case costs through whatever process your practice already uses.
How much can my firm borrow?
Loan amounts typically range from $10,000 for a smaller technology upgrade up to $500,000 or more for multi-partner firms with strong, consistent operating deposits.
The amount you qualify for is based mainly on your average monthly deposits rather than your billing model, so a contingency-based personal injury practice and an hourly corporate firm are evaluated on the same cash flow standard. Our guide on how much a small business can borrow walks through how lenders calculate that number.
What documents do I need to apply?
Applying takes about four minutes and requires your last four months of business bank statements, a signed application, and a voided check or bank letter.
SBA financing requires additional paperwork, including tax returns and a completed SBA application package. For a full walkthrough of the process from application to funded account, see our step-by-step guide to getting a working capital loan.
Can I qualify if my firm has irregular revenue or an existing advance?
Yes. Irregular collections are normal for contingency and mixed-billing practices, and our underwriting looks at your full deposit history rather than penalizing a single slow month.
If your firm already carries a merchant cash advance or another loan, we specialize in second-position offers and consolidations when there is still enough cash flow to support new financing responsibly.
What's the difference between a term loan, a line of credit, and working capital for a law firm?
A term loan provides one lump sum with fixed monthly payments, best suited to a defined project like an office buildout or a lateral partner transaction. A line of credit is revolving, meaning you draw only what you need during a slow collections stretch and repay as client payments arrive, which fits the natural rhythm of legal billing better than a fixed schedule. Working capital loans sit in between, offering fast, flexible funding for near-term needs like payroll without the longer approval timeline of a term loan.
Do you fund solo practitioners or only established firms?
Most of our products require at least one year in business, since lenders want to see a proven deposit history before extending capital. Solo practitioners with a year or more of consistent billing qualify on the same standard as multi-partner firms.
Newer practices with limited operating history are harder to place, though our guide for first-time business loan applicants covers what to prepare while you build that history.
Why choose Dash Capital over a bank or another lender for law firm financing?
Banks typically will not recognize unearned fees as collateral and require two years of tax returns before approving a line of credit, timelines that do not match the pace of running a practice. Other online lenders often push every applicant toward the same product regardless of fit.
Dash Capital combines fast, cash-flow-based underwriting with access to more than 100 lenders, a dedicated funding advisor, and same-day answers instead of automated form rejections. Our guide to how a business loan works breaks down that comparison in more depth.
Law Firm Loan FAQs
Ready When You Are
Get Your Firm Funded
Fast Decisions
Most applications get an answer the same day.
No Hard Pull
Working capital approvals skip the hard credit check.
Real Advisors
A dedicated advisor guides you from application to funded account.