Law Firm Line of Credit in California

POST SETTLEMENT CASH ADVANCE FOR LAWSUITS

Flexible, Fast Capital solutions for California Law Firms

At Fund Capital America, we understand the financial challenges of running a law firm in California’s competitive legal landscape. From staffing and marketing costs to case expenses and office overhead, firms often experience cash flow gaps—especially when waiting on case resolutions.

Our Law Firm Line of Credit provides a smarter, faster, and more affordable way to keep your practice funded—without the red tape or high interest of traditional bank loans.

4.9
Based on 231 reviews
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Barbara L.
21:58 03 Feb 25
Nice office nice staff very fast service
gino M.
01:56 10 Jan 25
Was very happy with the policy limits search results I got from them. 5 stars!
Josh F.
21:10 06 Jan 25
FCA is an amazing resource for us and Robel specifically. He makes sure that all of our clients are taken care of, and he is one phone call away from us always being able to contact him. From policy checks to cash advances, he is our go to!! Highly recommend!
R F
04:12 09 Nov 24
Props to Robel Lorenzo for intruducing us to their services. Robel and his team ( with Ms. Jozel) are very helpful and quick to respond with every inquiries our office have. Robel explains their services thoroughly which makes everything easy for us new to this services. The team are very responsive via email or calls. The results we get are very much accurate and we get the result earlier than expected.

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Rosalie F. with Law Offices of Jason Y. Lie
Amazing company for client case funding and policy searches. I hear there are some even better things to come, that will make them a complete one stop shop for anything and everything personal injury.

Also, my account Manager Robel is the best! He takes great care of my firm and client needs.
Dulce H.
22:08 05 Aug 24
I was really impressed with the level of service I received from Robel. I had a great experience with the customer service team at this company. They were very responsive and helpful, and they were able to resolve my our client's request quickly. I would definitely recommend this company to others.

Dulce, Case Manager at
Law Offices of Barry Zelner
tahlia P.
21:51 24 Jul 24
The One Stop Shop ! ✨✨✨✨ I have been working with FCA for 2 years now and they are very communicative with their services . Robel comes to check in with us periodically and is the nicest and most professional representative, he always keeps up to date with any new services FCA has to offer. We also know we can count on him if we need a cash advance asap ! Fca has great turn around times for policy limit searches too which is a tremendous help to our cases ! I’m grateful to work with Robel and FCA , and would recommend anyone in the PI field to contact them for their cases, they have cash funding to limits search to a medical directory .

What is a Working Capital Line of Credit?

A law firm line of credit is a revolving funding solution that gives attorneys access to working capital when they need it most. Unlike traditional business loans, you borrow only what you need and pay interest on what you use—freeing up capital to manage day-to-day operations, case costs, or client acquisition.

Whether you’re a solo attorney or managing partner of a growing firm, our flexible line of credit is designed to support pre-settlement financing, operational costs, and long-term growth.

Working Capital - Line of Credit

Why Choose Fund Capital America's Law Firm Line of Credit?

1. Interest Rates Under 1% Annually

Compared to banks that charge 5–8% or more, our rates are significantly lower—keeping more money in your practice.

2. No Upfront Costs or Down Payment

Get access to capital without depleting your firm’s reserves. We don’t require any money down to qualify.

3. Access Profits Post-Settlement

Don’t wait until retirement to benefit from your investments. Our structured financing model allows you to recoup profits once a case settles.

3. No Money Down

Fund Capital America does not require a downpayment for you to qualify for case financing. This is a great benefit for those whose practice is struggling or for those who are new to their career.

4. Generous Loan Sizes

Whether you need $300,000 or $8,000,000, Fund Capital America will help you finance your law firm to get your practice running. 

4. Loan Amounts from $300,000 to $8,000,000

Whether you need capital for one case or to scale operations across multiple cases, we can tailor a credit line to fit your needs.

5. Integrated Expense Tracking Platform

Stay organized with our proprietary expense-tracking system—built for legal teams. Monitor your drawdowns, disbursements, and returns all in one place.

6. Fast, Streamlined Application Process

We respect your time. Apply online in minutes, upload basic documents, and receive a decision quickly from our experienced credit committee.

Pricing

No Results, No Charge.

Personal Auto Policy Limits

$ 175 Starting at
  • *standard price when date of loss is within one year
    +$30 fee when date of loss is aged 1-3 years
  • 3-5 Business days average processing time
  • 2 Business Days +$50
  • 12 Business Hours +$90
  • 6 Business Hours +$120
  • Includes complimentary umbrella verification
  • Umbrella Limits, if found, are available for puchase for an additonal $85
  • Medpay Search

Personal Umbrella Policy Limits

$ 200 Starting at
  • *standard price when date of loss is within one year
    +$30 fee when date of loss is aged 1-3 years
  • 3-5 days average processing time

HOMEOWNER'S/UMBRELLA POLICY LIMITS

$ 195 Starting at
  • *standard price when date of loss is within one year
    +$30 fee when date of loss is aged 1-3 years
  • 5 - 10 business days processing time.
  • Includes complimentary umbrella verification
  • Umbrella Limits, if found, are available for puchase for an additonal $85

Commercial Auto Policy Limits

$ 305 Starting at
  • *standard price when date of loss is within one year
    +$30 fee when date of loss is aged 1-3 years
  • 5 - 10 business days processing time.
  • 2 Business Days +$100
  • 12 Business Hours +$200
  • 6 Business Hours +300
  • Umbrella verification NOT included

Commercial Umbrella Policy Limits

$ 300 Starting at
  • *standard price when date of loss is within one year
    +$30 fee when date of loss is aged 1-3 years
  • 5 - 10 business days processing time

Personal Auto Insurance Discovery

$ 499 Starting at
  • Up to 30 days processing time
  • *$150 fee applies if NO-HIT
  • 7 Business days +$80

Homeowner’s Policy Existence

$ 549 Starting at
  • Up to 30 days processing time
  • *$150 fee applies if NO-HIT
  • 7 Business days +$80

Commercial Insurance Discovery

$ 599 Starting at
  • Up to 30 days processing time
  • *$150 fee applies if NO-HIT
  • 7 Business days +$80

Benefits of a Law Firm Line of Credit

  • Fund Capital America offers a law firm line of credit with interest rates under 1% annually, significantly lower than typical bank rates of 5% to 8% or more, reducing financial burden and increasing profits.
  • No upfront costs or down payments are required, making the credit accessible to new attorneys and growing firms without large capital reserves.
  • Fast funding is available, with approval and access to capital within a few days, much quicker than traditional banks.
  • The line of credit is revolving, so interest is paid only on the funds actually used, providing flexibility to manage cash flow without committing to a fixed lump sum.
  • Qualification is based on the firm’s case portfolio rather than personal credit scores or hard assets, easing approval.
  • Firms can recoup profits from cases as they settle, rather than waiting years for returns.
  • A custom-built expense tracking platform is provided to help manage disbursements and monitor returns in real time.
  • The line of credit is tailored specifically for legal industry needs, offering affordable, scalable, and fast access to working capital to support practice growth and financial stability for California attorneys.

How It Works

  1. Apply Online: Complete a secure application with basic documentation.
  2. Get Approved: Our credit committee reviews your application within days.
  3. Access Funds as Needed: Only draw what you need, when you need it.
  4. Repay from Case Settlements: Pay back the capital once your cases resolve—keeping your practice cash-flow positive.

FAQs

You will need to submit a short online application and basic documentation, including firm financials and case pipeline details.

Office operations, payroll, marketing, expert witnesses, case costs—virtually any business-related expense.

No. Unlike bank loans, our lines of credit are structured around your firm’s case portfolio, not hard assets.

Many clients receive access within a few business days of approval.

No. We evaluate your firm’s legal performance, not your personal FICO score.

Has your case settled, but you still haven't received your settlement check? apply for post-settlement funding with fca legal funding

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