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Clio Payments

Get fast funding for your law firm with Clio Capital

Access funds to grow your firm without the hassle of traditional loans. Upgrade your office space, expand your team, or anything in between.

Not on Clio Payments? Set up now

Fast, flexible financing at your fingertips

  • Flexible financing at every stage

    Choose the financing amount that fits your needs, no more and no less. Move forward with confidence, knowing you have the freedom to decide the amount of capital and how it will be used.

  • The funds you need, fast

    Seize new growth opportunities the moment they arise. Approved firms receive funds in as little as two business days, deposited directly into your operating account.

  • Apply in minutes

    Clio Capital pre-qualifies you for financing based on your payment volume and history on Clio Payments. Submit a brief application to get started with no impact on your credit score, long applications, or weeks of waiting.

  • Clear terms. No surprises.

    View all terms upfront when you select your financing amount, so you know exactly how much you repay. Payments are a fixed weekly auto-deduction from your operating account. No compound interest or pre-payment penalties.

How it works

1. Check your eligibility.

Visit the Capital page in Clio Manage to see if you’re pre-qualified. Eligibility is based on your payment volume and history, and may change as your practice grows. Note that only users with Administrator roles will be able to view this page.

2. Select your amount.

If you have an offer, you can start the application in a few clicks and select the financing amount that’s right for your firm. You’ll see all costs upfront, and applying won’t impact your credit score.

3. Get funds quickly. Repay automatically.

Approved accounts receive funding in as little as two business days. Repayments are handled via a weekly, automated debit from your operating account.

Learn more about how Capital works here.

Frequently Asked Questions

Where is Clio Capital available?

Clio Capital is available for all customers in the United States, though financing may not be available in certain states because of local rules and regulations.

Where do I see my current offers?

You can see your current financing offers on the Capital page in Clio Manage. Note that only users with Administrator roles will be able to view this page.

How does Stripe determine who qualifies for an offer?

Eligibility is determined by Stripe based on a combination of factors, including overall payment volume and history on Clio Payments. Eligible US customers will see an offer on the Capital page within Clio Manage if they qualify.

Do I have to pay interest on Clio Capital financing?

No, you’ll pay one flat fee that does not change. You won’t pay any interest on top of this fee.

How is this flat fee calculated?

The flat fee is calculated based on a variety of factors related to your business and transaction history, such as your payment volume and tenure with Clio Payments.

Will applying affect my personal credit rating?

Applying for financing through Clio Capital might include a personal credit check under some circumstances, but this credit check doesn’t affect your personal credit score. If a personal credit check is required, you will be notified during the application process. All offers are determined by Stripe based on a number of factors, including payment volume and history on Stripe through Clio Payments.

Can I request a different amount?

Yes, as long as it’s below the maximum amount you’re pre-qualified for. On the Capital page in Clio Manage, use the slider to select as much or as little as you need (up to the maximum offer amount). The financing fee adjusts based on the amount you choose.

When do I need to pay the flat fee?

The flat fee is included in your payment total so you’ll automatically pay it through a weekly debit from your bank account until the total amount is paid.

How does payment work?

Clio Capital loans are repaid through automatic debits from your bank account. The payment terms for your offer will be detailed during the application process.

After I accept an offer, how quickly will I get my funds?

If your application is approved, you’ll see the funds in your bank account typically in as soon as two business days. To make sure that funds are disbursed successfully, you must set a valid bank account as your primary payout method when you apply.

What happens when my Clio Capital offer expires?

Each Clio Capital offer is available for 30 days. After that point, your firm will automatically be re-evaluated by Stripe to see if you are eligible for an additional offer.

Can I pay my financing early?

Yes, you can make additional payments or pay the total amount owed to Stripe in full at any point by clicking the Make Payment button in your dashboard within Clio Manage. There are no additional fees for early payment.

Who can I contact to learn more about Clio Capital?

If you have any additional questions on how Clio Capital works, how to apply, or how to manage your loan, please contact Stripe directly at [email protected].

Disclosure

Clio Capital loans are issued by Celtic Bank and powered by Stripe. All loans subject to credit approval.