For decades, contingency-fee personal injury firms have been forced to carry the financial burden of case expenses on behalf of their clients. Even though there is no fiduciary obligation requiring them to do so, more than 99% of firms still advance these costs because plaintiffs simply cannot afford them—and because it is the only way to build a strong, high-value case.
Experts, depositions, accident reconstruction, life-care planners, mediations, medical imaging, investigators, and other essential case-development costs are non-negotiable. Without them, the value of a case collapses.
But the traditional model—where law firms act as both advocate and financier—is no longer sustainable. And the pressure is only increasing.
Capital Financing has developed the industry’s most accessible, flexible, and forward-thinking financing solutions designed specifically to solve this problem.
Tort Reform Has Changed Everything
Recent waves of tort reform across the country are fundamentally reshaping the economics of contingency law:
Cases are taking significantly longer to settle.
Defense carriers have more leverage and fewer incentives to settle early. What used to resolve in 6–12 months may now take 18–36 months.
More cases are being pushed into litigation.
Insurers are deliberately delaying resolution, forcing more cases into discovery—driving up expenses and stretching out timelines even further.
Trials are becoming more common.
With limits, caps, and restrictions, plaintiffs must increasingly take cases to trial to receive fair compensation. Trial budgets can exceed six figures.
The result?
Case expenses are skyrocketing while the time to recover them is stretching further and further out.
The Financial Burden on Law Firms Has Never Been Greater
Even a single complex personal injury case can require tens of thousands of dollars in hard costs. Multiply that by:
- dozens of litigation matters
- hundreds of active cases
- or thousands of cases in a growing firm
…and the cash-flow strain becomes enormous.
At the same time, firms are facing rising operational costs:
- digital advertising and lead generation
- increased staff and payroll costs
- intake growth
- compliance requirements
- technology and infrastructure
- escalating expert and medical costs
For small firms, new firms, or firms in the middle of a major growth curve, this burden can become a barrier to expansion—or in some cases, a threat to survival.
Traditional banks? They’re not the answer. Banks typically:
- refuse to lend against contingent case assets
- impose restrictive covenants and personal guarantees
- cap credit lines far below what firms actually need
- lack industry expertise in contingency practices
Firms need capital. They need flexibility. They need speed.
They need a financing solution built for contingency law.
And that is exactly where Capital Financing comes in.
Capital Financing: The Future of Litigation and Case Expense Funding
Capital Financing was created to solve the cash-flow challenges that contingency firms face every day. Our solutions allow law firms—including small practices, growing firms, and established litigation teams—to access capital without the barriers, restrictions, or outdated underwriting models of traditional banking.
We Offer the Exact Solutions the Legal Industry Has Been Missing:
- Funding for Case Expenses Without Restrictions
Firms can access capital to cover experts, depositions, medical records, trial prep, and all litigation expenses—without risking their own cash reserves.
- No Personal Guarantees, No Traditional Bank Covenants
Your law firm’s case pipeline—not your personal assets—drives your ability to access funds.
- Scalable Capital That Grows as You Grow
Whether you manage 50 cases or 5,000, our financing expands with your needs.
- Liquidity for Marketing, Staffing, Operations, and Expansion
We free up your cash so you can invest in what actually grows your practice.
- Support for Small and New Firms
We give young firms the financial runway they need to compete with established players—leveling the playing field.
- A Partner Who Understands Contingency Law
Capital Financing is built around the way PI firms actually operate. We understand case cycles, litigation timelines, and the unique financial challenges of contingency law.
This isn’t traditional lending.
This is purpose-built financial infrastructure for the modern PI firm.
Why the Future of Contingency Practice Depends on Litigation Financing
With tort reform accelerating, litigation timelines expanding, and case expenses rising, the traditional model of firms personally financing every dollar of case costs is no longer viable.
The future belongs to firms that operate with:
- better cash flow
- stronger infrastructure
- scalable access to capital
- and the ability to aggressively develop their cases
Capital Financing gives firms the financial power and stability to do exactly that.
We believe that access to litigation financing—for firms of every size—is not just the future of the industry…
it is the solution that will define which firms grow and which fall behind.
Capital Financing Is More Than a Funding Source — We Are a Strategic Partner
We help firms:
- stabilize cash flow
- expand practice areas
- invest in growth
- hire more staff
- take more cases to litigation when necessary
- and maximize case value
All without draining the firm’s liquidity.
This is the evolution the legal industry has been waiting for—and Capital Financing is leading it.
