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Fast Business Loans for Law Firms

Business Loans for UK Law Firms & Legal Practices

Law firms carry significant costs long before fees arrive. Disbursements, salaries, professional indemnity premiums, and chambers fees are due upfront while billing cycles stretch for months. Elect Capital delivers fast, unsecured working capital to UK legal practices so you can fund cases, hire talent, and grow without waiting for traditional bank approval.

Step 1 of 3

How much funding do you need?

£25,000£750,000

Applying is free and won't impact your credit score

4hrs
Fastest approval time
£750k
Maximum funding amount
Same Day
Funding available
0
Hard credit checks
Industry Challenges
The Funding Challenges You Know Too Well
We understand the unique financial pressures of your industry. Here's how Elect Capital helps.
Disbursements paid before client reimbursement
Barrister fees, expert witnesses, court fees, and search costs must be funded upfront, sometimes months before your client reimburses them. Working capital keeps your cases moving without tying up your own reserves.
Long billing cycles and slow receivables
You deliver work in one month and get paid in the next — or several months later. Salaries, rent, and professional costs don't wait. Working capital bridges the gap between billing and collection.
Uneven revenue and practice area seasonality
Conveyancing slows in winter, litigation spikes unpredictably, and partner drawings create pressure at year-end. Working capital smooths those peaks and troughs so you can plan with confidence.
How It Works
Three Simple Steps to Get Funded
No branch visits. No weeks of waiting. Just a fast, transparent process built for business owners who value their time.
1. Apply in 2 Minutes
Complete a short online form with your basic business details. No paperwork, no branch appointments, and zero hard credit pull during the application.
APPROVED
2. Same-Day Decision
We evaluate your business revenue and trading history, not just a credit score. Apply before 2pm and receive an offer the same business day.
£
24,500
274,500
3. Funds in Your Account
Accept your offer, and capital arrives in your business account, often within hours. No waiting weeks for bank approvals.
Our Products
Funding Solutions That Fit Your Business
Every business has different capital needs. Whether you need to bridge a cash flow gap, invest in growth, or cover an unexpected cost, we have a product built for you.
Eligibility
Quick Check: Do You Qualify?

Most established UK businesses in your sector qualify. We look at your revenue and trading history, not just a credit score.

12+
Months in business
£25k+
Monthly revenue
£750k
Funding available
Funded
£125,000
Restaurant & Hospitality
ManchesterOct 2025
Funded
£85,000
E-commerce & Retail
LondonNov 2025
Funded
£250,000
Manufacturing
BirminghamDec 2025
Funded
£60,000
Healthcare
EdinburghJan 2026
In Practice
How Businesses Like Yours Use Elect Capital
Funding Disbursements on a High-Value Litigation
A litigation practice had accumulated £120,000 in disbursements across four active cases, with settlements expected in four to six months. Elect provided working capital within 24 hours, allowing the firm to continue funding expert evidence and counsel fees without drawing on its own reserves.
Recruiting Fee Earners Ahead of a Growth Period
A regional firm won a significant conveyancing contract and needed to hire three additional fee earners immediately. Elect funded two months of salary costs while the new team members were onboarded and began generating their own billing, avoiding any delay to the new instructions.
Bridging a Cash Flow Gap at Year-End
A mid-sized commercial practice faced a tight January after a slow Q4 and a large professional indemnity renewal. Working capital from Elect covered payroll and the insurance premium, giving the firm three months to rebuild its cash position without pressure from creditors or partners.
FAQ
Common Questions
Yes. Elect Capital provides unsecured working capital to UK-registered law firms and legal practices. No property, personal assets, or professional indemnity policy is required as collateral. Funding decisions are based on your firm's revenue and trading history.
Absolutely. Disbursements — including barrister fees, expert witness costs, court fees, and other case-related expenses — are one of the most common uses of working capital for law firms. Fund the costs now and recover them from clients when matters settle.
UK law firms can access between £25,000 and £750,000 through Elect Capital. The amount available is based on your firm's monthly revenue and trading history, not the size of your WIP or debtor book.
Apply before 2pm and receive a same-day decision. Once you accept an offer, funds are typically in your business account within hours. Law firms regularly use Elect to cover urgent disbursements or capitalise on short-notice recruitment opportunities.
No. Elect Capital does not run a hard credit check at the application stage. You can apply and receive an offer without any impact on your firm's or your personal credit profile.
Yes. Recruitment costs, salaries for new hires during the onboarding period, training fees, and agency search costs are all eligible uses of working capital. Many law firms use Elect to hire ahead of a growth period or to fill an urgent gap in capacity.
We fund UK-registered limited companies and partnerships. If your practice is a sole proprietorship, you would need to be operating as a registered entity to be eligible. Small firms with two to ten fee earners are among our most common legal sector clients.
Yes. Expanding into a new practice area often requires upfront investment in training, software licences, new staff, and marketing before revenue materialises. Working capital allows you to fund that build-out without waiting for fee income to accumulate.
Yes. Professional indemnity renewal premiums and SRA-related compliance costs are eligible uses of working capital. Many firms find these annual outlays create a predictable cash flow pressure that working capital can smooth.
You'll need your company registration number, basic business details, and recent bank statements. No WIP schedules, aged debtors reports, or detailed case pipeline information is required. Most applicants complete the form in approximately two minutes.
Yes, provided the firm is UK-registered, has been trading for 12 or more months, and generates at least £25,000 per month in revenue. We look at overall firm performance rather than the split between private and legal aid work.
The Elect Difference
Why Business Owners Choose Elect
We're a dedicated lender built from the ground up to serve UK SMEs with speed, transparency, and a human touch.
Transparency
Clear terms, no hidden fees, and open communication at every step. You'll always know exactly what you're signing up for before you commit.
Innovation
We use revenue data and cash flow analysis, not outdated credit models, to make funding decisions. Smarter underwriting means faster approvals.
Empowerment
Our UK-based team works directly with you. No call centres, no being passed between departments. One advisor, one relationship, one goal: getting you funded.
Work directly with Elect Capital. No matter your goal, our in-house funding advisors can help you find the right financing solution for your business.
Apply Now
Choose Elect.
Choose Growth.
Capital that moves as fast as you do. One click away from the next opportunity.
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Elect Capital
hello@electcapital.com+44 20 8050 2023

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Elect Capital is a trading name of Elect Capital UK Limited, registered in England and Wales with company number 16106576 and registered address: B1 Vantage Business Park Old Gloucester Road, Bristol, Gloucestershire, England, BS16 1GW. Registered with the Information Commissioner's Office in relation to the processing of personal information, registration number ZB842935. We pay commission to other credit introducers for referring new customers. The commission amount may vary depending on the product, or other permissible factors.

Elect Capital UK Limited provides business funding solutions to UK SMEs, operating transparently in accordance with applicable laws and regulations.

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