Financing for law firms
A law firm invests in talent and in cases that take time to collect. We help you explore capital to sustain that growth, or financing to buy the office where you meet clients.
GROW™ — capital for your next stage
GROW™: up to $350,000, up to 10-year terms, no prepayment penalty and no specific personal collateral required.
What owners typically invest in
- Hiring attorneys and support staff
- Case management and security technology
- Working capital while cases collect
- Office and conference room improvements
- Marketing and client development
OWN™ — buy the building where you operate
The office speaks before you do. Conference rooms, secure files and location are part of how clients see you, and all of it sits in a building that belongs to someone else. Buying it turns rent into equity for the firm.
What lenders typically review
Lenders usually review how long the business has operated, its cash flow, the owners’ credit and practice mix and how long cases take to collect. For GROW™, reference guidelines include three or more years in operation, a personal FICO of 650 or above, a minimum SBSS score of 165, personal and business debts current, repayment capacity with a minimum DSCR of 1.25x and no bankruptcy in the last seven years. GROW™ does not require specific personal collateral, though limited business collateral requirements may apply. To buy the property through OWN™, your business must occupy most of the building.
Frequently asked questions
Can capital bridge cases that are still collecting?
Working capital is contemplated. The lender evaluates your history and annual repayment capacity.
Can I buy the office I work from?
In many cases, yes, if your firm occupies most of the property, through OWN\u2122, with a 45\u201360 day target closing.
Which reference requirements apply?
Three or more years in operation, personal FICO of 650 or above, SBSS of at least 165, current debts and a minimum 1.25x DSCR.
Is CapitalBUENO the lender?
No. We provide capital advisory and business intelligence and work with financial institutions; credit decisions belong to the lender.
Related uses of capital
Every rent payment builds your landlord's equity. With owner-occupied SBA financing, you can buy the building you rent today and turn that monthly payment into an asset you own.
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The right equipment lets you serve more customers, work faster and offer new services. With working capital you can invest in it without draining your operating account.
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A renovated space attracts customers, improves their experience and helps you work better. With working capital you can make those improvements without slowing down daily operations.
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Find out what your business may qualify for
Answer a few questions and an advisor will review your case, with no obligation.
All financing is subject to approval, financial analysis and lender terms.