Fast financing for law firms

8am Capital is a working capital loan available to qualified LawPay customers.

It’s embedded directly in LawPay, with offers based on your firm’s payment processing history and a short application designed to reduce paperwork and delays.

Funds are deposited into your operating account, and repayment is automatically tied to a percentage of daily LawPay payment volume.**

Law firm funding gives firms access to flexible working capital to help manage expenses, uneven cash flow, or growth-related costs.

With 8am Capital, funding is connected directly to your firm’s payment activity in LawPay. Eligible firms may receive pre-qualified offers based in part on their payment history rather than going through a lengthy traditional underwriting process.

If approved, funds are deposited into your operating account, and repayment is automatically tied to a percentage of daily LawPay payment volume.**

Law firms often operate differently from other small businesses. Revenue can depend on settlement timing, contingency fees, retainers, or irregular payment cycles that traditional lenders may not evaluate well.

Financing for law firms is designed around those operational realities.

8am Capital uses payment activity through LawPay to help determine eligibility, offers funding designed for legal workflows, and structures repayment to move with revenue rather than relying solely on fixed monthly payments.

Lawyers can access 8am Capital through LawPay.

Firms with an active LawPay account and at least 90 days of payment history may be eligible for pre-qualification. If eligible, offers appear directly inside LawPay under Capital.

From there, firms can review terms, complete a short application, and if approved, choose how much funding to draw up to their approved amount. Funds are typically deposited by ACH within approximately two business days.**

8am periodically reviews payment activity for eligible LawPay customers.

To be considered, firms generally need:

• An active LawPay account with at least 90 days of payment processing history

• U.S.-based operations with annual revenue of $30,000 or more

• A personal credit score of 600+

There’s no upfront credit check to review your pre-qualification. A soft credit check occurs only when you opt in to view final terms.

Repayments are automatically withdrawn from your operating account as a percentage of daily LawPay payment volume.**

When revenue comes in, a portion goes toward repayment. On slower days, repayment amounts adjust accordingly. Trust account deposits are always excluded from repayment calculations.

This structure helps repayment move with your firm’s actual revenue instead of requiring a fixed monthly payment.

Traditional bank loans often require extensive documentation, fixed monthly payments, and weeks of underwriting.

8am Capital is designed around how law firms actually operate. Qualification is informed by your firm’s payment history through LawPay, documentation requirements are minimal, funding typically arrives within approximately two business days, and repayment adjusts with revenue rather than following a rigid monthly schedule.**

There are no origination fees or prepayment penalties.

8am Capital is available to qualified firms in most U.S. states. Financing may not be available in all states and may be subject to local restrictions where applicable.

Yes. Firms use 8am Capital for a range of operational needs, including covering case costs, hiring staff, expanding office space, investing in marketing, managing payroll during slower periods, and supporting day-to-day cash flow.

Funds are deposited into your operating account and can be used at your discretion. Funds are not intended to be used for personal, household, or family purposes.