Lines of Credit for Law Firm
Manu helps law firm owners across the United States get matched with the right lender — fast. Pre-qualify in minutes through Manu's partner application — access a 75+ lender network with real, competitive offers, no hard credit check.
How law firm businesses use this financing
Common uses of funds:
- Case-cost financing for contingency-fee matters
- Office build-out and tech upgrades
- Hiring associates and paralegals
- Working capital for slow client payment cycles
Typical loan size: Law firm loans typically range from $50K to $1M, with case-cost lines and partner buy-ins reaching $5M+.
Seasonality: Litigation timelines drive billing irregularity; year-end (Q4) typically sees collections push.
Most common reason for decline: Law firms are often declined for high contingency-fee mix without offsetting hourly revenue.
Best-fit products for law firm: Lines of Credit, Term Loans, SBA Loans.
Capital use cases for law firm businesses
- Case-cost financing: A $50K–$1M line of credit funds expert, discovery, and case costs on contingency matters before fees are collected.
- Hiring & build-out: A $50K–$500K term loan funds associates, paralegals, office build-out, and practice-management tech.
- Partner buy-in: Attorneys finance up to $5M+ via SBA or term loans for partner buy-ins and book acquisitions.
Funding options for law firm businesses
Why Law Firm owners choose Manu
How law firm business loans work with Manu
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Other industries we fund
Other funding options for law firm businesses
Frequently asked questions
What kind of business loans can Law Firm owners qualify for?
Through Manu's partner application, law firm owners can access small business loans ($10K–$10M), SBA 7(a) and 504 loans ($50K–$5M), business lines of credit, equipment financing, merchant cash advances, accounts receivable financing, and inventory lines. Terms are tailored to your revenue and time in business.
How fast can a Law Firm business get funded?
Lines of credit and merchant cash advances can fund the same day for qualifying law firm businesses. Small business loans and equipment financing typically fund in 1–3 business days. SBA loans take 4–10 weeks due to government underwriting.
What credit score do I need for Law Firm financing?
Minimum FICO depends on the product: equipment financing starts at 550, small business loans at 580, lines of credit at 600, and SBA loans at 660. Merchant cash advances and accounts receivable financing have no minimum FICO — they're underwritten on revenue and receivables instead.
Will applying hurt my credit score?
No. Pre-qualification uses a soft credit check that does not affect your credit score. A hard pull only happens if you accept a final offer from a lender.
What documents do Law Firm businesses need to apply?
To pre-qualify, you'll share basic business information plus your most recent 3 months of business bank statements. To finalize an offer, most lenders ask for 3–6 months of bank statements in total. Larger loans may also require tax returns or financial statements.
Sources & references
Loan-product criteria, funding-speed ranges, and credit-score thresholds on this page are validated against current lender requirements and the following primary sources: