Litigation
Finance Loans

Litigation loans let your firm secure non-recourse capital to cover case costs, operations, marketing, and growth, with repayment only required when cases resolve successfully. Take on bigger cases without the financial burden.

Key Benefits
$
Repay from case wins
No personal liability
Keep 100% of your firm
Take on bigger cases
Non-recourse capital for the work your firm needs to get done.
Key Features

How Litigation Loans Work

Built specifically for plaintiff law firms, with structures and terms designed around the realities of litigation timelines.

Non-Recourse Structure
Repayment is only required if the case is won or settled. Your firm takes on zero personal liability. If the case doesn't resolve favorably, you owe nothing. This shifts the financial risk from your firm to the capital provider.
Flexible Use of Capital
Funds aren't restricted to case costs alone. Use your capital to cover attorney fees, expert witnesses, court costs, marketing spend, operational overhead, or hiring, whatever your firm needs to grow and win.
Enhanced Cash Flow Management
Litigation timelines are unpredictable. Financing helps your firm maintain healthy cash flow during lengthy proceedings, ensuring you never have to settle early or turn down cases due to financial pressure.
Full Control of Legal Strategy
Capital providers through Tortlink do not interfere with your litigation strategy. Every legal decision, from case selection to settlement negotiations, stays entirely in your hands.
Scalable to Your Docket
Whether you're funding a single high-stakes lawsuit or scaling a mass tort portfolio, loan amounts are tailored to your specific needs. Lenders in our network work with you to structure the right facility size.
Pursue Higher Settlements
With proper financial backing, your firm can litigate more aggressively and hold out for better outcomes. Firms with capital reserves consistently achieve higher settlements and verdicts for their clients.
Full Transparency

Pros & Cons

We believe in full transparency. Here's an honest look at both sides of litigation finance loans. So you can make an informed decision.

Risk Mitigation
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Non-recourse structure means your firm doesn't repay if the case is lost. The lender absorbs the downside risk, allowing you to pursue cases with confidence.

Broader Access to Justice
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Take on meritorious cases you'd otherwise pass on due to high upfront costs. Capital removes the financial barrier between your firm and high-value litigation.

Financial Flexibility
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Maintain healthy cash flow while cases are pending. Cover day-to-day operations, payroll, and growth investments without waiting for settlements to resolve.

Resource Allocation
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Free up your firm's existing capital to invest in marketing, technology, hiring, and other growth areas, rather than tying everything up in case costs.

Increased Case Capacity
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Handle more cases simultaneously by removing financial constraints. Scale your docket without proportionally scaling your risk exposure.

Expert Underwriting Insight
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Lenders are experts in evaluating litigation portfolios. Their independent assessment can validate your case strategy and provide valuable outside perspective on case strength.

The pros and cons above are illustrative and not exhaustive. Every funding structure carries firm-specific legal, tax, and financial considerations. Always consult your CPA and an attorney before entering into any funding arrangement.

Deep Dive

Understanding Litigation Term Loans

A litigation term loan is a fixed-amount capital facility provided to a plaintiff law firm, secured by the firm's case portfolio, expected fee revenue, or both. Unlike revolving credit lines where you draw and repay repeatedly, a term loan delivers a lump sum that you repay on a defined schedule, typically aligned with your case resolution timeline. Term loans are the most common form of litigation financing because they're straightforward: you receive capital, you use it to grow your firm and fund cases, and you repay as settlements come in. Most litigation term loans are structured as non-recourse or limited-recourse, meaning your personal assets aren't at risk if cases underperform. Lenders evaluate your docket composition, historical settlement performance, and firm financials to determine loan size, interest rate, and repayment terms. Facility sizes typically range from $250K for small firms to $100M+ for large mass tort operations. Interest rates vary based on portfolio risk, firm track record, and market conditions. But generally fall between 12-24% for non-recourse structures. The key advantage of term loans over other structures is predictability: you know exactly how much capital you're receiving, what it costs, and when it needs to be repaid.

Common Applications

How Firms Use Term Loan Capital

01
Fund large mass tort docket acquisition campaigns
02
Cover case costs across entire portfolio
03
Hire additional attorneys and staff ahead of growth
04
Invest in technology, case management, and infrastructure
05
Bridge operational expenses during long litigation timelines
06
Fund expert witnesses and medical record review at scale
07
Cover marketing spend for TV, digital, and intake operations
08
Finance office expansion and geographic growth
Key Considerations

What to Know Before You Apply

Portfolio Valuation Drives Everything

Your loan amount, interest rate, and terms are all determined by how lenders value your case portfolio. Understanding your docket's value, per-case estimates, stage distribution, and expected timelines, is essential preparation.

Non-Recourse vs. Limited Recourse

True non-recourse loans have no personal liability if cases fail. Limited recourse may include personal guarantees on a portion. The structure dramatically affects your risk profile, always clarify before signing.

Prepayment Penalties

Some term loans include prepayment penalties or minimum interest charges. If your cases settle faster than expected, you want the flexibility to repay early without excessive penalties.

Reporting Requirements

Lenders typically require monthly or quarterly portfolio reports showing case status, settlements, and financial performance. Understand these obligations upfront and ensure you have the systems to comply.

The Tortlink Advantage

Why Choose Tortlink for Law Firm Loans?

Tortlink has facilitated law firm loan placements across every major practice area, from single-case financing to $100M+ portfolio facilities. Our network of 80+ capital providers compete for your deal, ensuring you see the full range of available terms before making a decision. Our memo team generates lender-ready investment memoranda that present your docket in the format loan underwriters expect: per-case valuations, stage distribution, historical settlement performance, and cash flow projections. We negotiate on your behalf, present offers side by side with full transparency on rates, fees, and covenants, and guide you through closing.

Take the next step

Answer a few questions. We handle the rest.

Two minutes of intake. A consultation call. A full capital matchmaking process. No upfront cost.

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