Can solo practitioners qualify for MCAs?

Yes, solo practitioners with $10,000+/month in operating account deposits and 6+ months of practice history can qualify. Consistent monthly client fees are more important than firm size.

How do trust accounts affect MCA underwriting?

Underwriters evaluate your operating account, not your trust/IOLTA account. Keeping these clearly separated is essential. Trust account deposits don't count toward your revenue assessment.

Do contingency-fee firms have trouble qualifying?

Pure contingency firms face challenges due to unpredictable deposit timing. Firms that supplement contingency cases with retainer clients or flat-fee services have much better approval odds.

Home/Industries/Legal Services

65-80% Approval Rate

Legal Services MCA Funding

Law firms and legal practices have high-value client engagements and retainer agreements. While case-based revenue can be irregular, firms with diversified practice areas and retainer clients are viable MCA candidates.

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65-80%

Approval Rate

$15,000 - $300,000

Typical Funding

1.22-1.42

Factor Rate

Medium Risk

Risk Level

What Underwriters Look For

Consistent monthly deposits from client fees and retainers

Diversified practice areas and client base

Trust account vs. operating account clarity

Active caseload and pipeline documentation

Bar licensing and professional standing

Common Red Flags

Revenue concentrated in contingency cases with unpredictable timing

Large gaps between deposits from case-based billing

Trust account commingling concerns

Pending bar complaints or disciplinary actions

Tips to Improve Your Qualification

Show consistent monthly deposits from retainers and fee arrangements

Keep trust and operating accounts clearly separated

Diversify practice areas for more predictable revenue

Document active case pipeline and expected fee generation

Maintain clean bar standing and professional credentials

Industry Insight: Legal Services

Law firms present a mixed picture for MCA underwriting. Firms with steady retainer clients, flat-fee services, and diversified practice areas generate predictable monthly revenue that underwriters value. However, contingency-fee firms may go months between large deposits, creating the kind of revenue irregularity that increases risk.

The most fundable law firms are those with a mix of billing models — monthly retainer clients providing baseline revenue, supplemented by hourly billing and occasional contingency cases. Solo practitioners and small firms can qualify, but they need to demonstrate consistent deposits. Immigration, family law, criminal defense, and personal injury firms with high case volumes are among the most commonly funded legal practices.

Frequently Asked Questions

Check Your Legal Services Qualification

Upload your bank statements anonymously and get an instant underwriter-grade analysis. See exactly how your legal services business file looks — no credit pull, no broker, no one contacts you.

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Related Industries

65-80%

Construction

Construction companies face unique MCA underwriting due to project-based revenue cycles. While approved regularly, construction businesses must demonstrate contract pipelines and consistent bank deposits between projects.

70-85%

Trucking & Transportation

Trucking and transportation businesses have consistent revenue from freight contracts and load payments. MCAs are popular in this industry for covering fuel costs, repairs, and fleet expansion when traditional bank financing is too slow.

70-85%

E-Commerce

E-commerce businesses with established sales histories and consistent online revenue are increasingly popular MCA candidates. Digital payment processing and trackable revenue metrics make underwriting straightforward.

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