Industry Guide
MCA Funders for Law Firms
Why Law Firms Take Out MCAs
Case costs and litigation expenses
Expert witnesses, court filing fees, deposition costs, and investigation expenses add up fast. Contingency firms front these costs and don't get paid until the case resolves.
Hiring associate attorneys or paralegals
Growing the firm means adding staff before the new caseload generates revenue. Salaries for attorneys are high, and it takes months to see ROI on new hires.
Office expansion
Law firms need professional office space to meet clients. Upgrading to a better location or adding conference rooms requires deposits and buildout costs.
Marketing and client acquisition
TV ads, Google Ads, and legal directories like Avvo and FindLaw are expensive but essential for firms that rely on new client intake.
Technology and case management
Legal software, document management systems, e-discovery tools, and cybersecurity are required costs that can't be deferred.
Bridging gaps between settlements
Contingency-fee firms can go months between payouts. MCA keeps the lights on and staff paid while waiting for cases to close.
Law firms are a specialized vertical in MCA. Some funders restrict legal practices entirely, while others actively pursue them. The key factor is how the firm generates revenue — retainer-based practices with regular client payments are much easier to fund than contingency-fee firms that might wait months or years for a settlement payout.
Funders who work with law firms focus on deposit consistency. A personal injury firm that gets one large settlement deposit every few months is a harder deal than a family law or immigration firm billing retainers weekly. If your merchant is a law firm, sort them by practice area first — it determines which funders will look at the deal.
Deal sizes for law firms range from $20K for solo practitioners to $200K+ for multi-attorney firms. Firms with diverse practice areas, consistent billing cycles, and multiple active clients are the strongest candidates. Settlement-based firms can still get funded, but expect higher factor rates to compensate for the income uncertainty.
55 Funders Accept Law Firm
Full Search →Verified funders are prioritized at the top of results. Scroll down to see all matching funders.
The liquidity network
VerifiedMin Revenue: $0/mo
Max Positions: 6
Defaults: ✓ Accepted
Highland Hill Capital
VerifiedMin Revenue: $30,000/mo
Max Positions: 99
Defaults: ✓ Accepted
Black Rok
VerifiedMin Revenue: $40,000/mo
Max Positions: 99
Defaults: ✓ Accepted
G6 Advance
VerifiedMin Revenue: $30,000/mo
Max Positions: 99
Defaults: ✓ Accepted
Barclays Advance
VerifiedMin Revenue: $40,000/mo
Max Positions: 99
Defaults: ✓ Accepted
Frequently Asked Questions
Can a law firm get an MCA?
Yes, though it depends on practice area. Retainer-based firms with regular client payments fund easily; contingency-fee firms waiting on settlements are harder but still fundable at higher factor rates.
How much can a law firm get?
Deals range from $20,000 for solo practitioners to $200,000 or more for multi-attorney firms with diverse practice areas and consistent billing.
Why does practice area matter so much?
Because it drives deposit consistency. A family law or immigration firm billing retainers weekly is a stronger deal than a personal-injury firm that gets one large settlement every few months.
Can a contingency-fee firm still get funded?
Yes — funders will bridge gaps between settlements, but expect higher factor rates to offset the income uncertainty. Show enough billing history to demonstrate a reliable pipeline.
Which funders work with law firms?
Some restrict legal practices; others pursue them. Filter by industry on MCA Directory to find funders that accept law firms and connect with ISO reps.
Need a more specific match?
Use the full search matrix to filter by revenue, credit score, positions, and more.
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