Law firm financing with the full cost shown upfront
Eligible firms see their offer in Clio, choose an amount, and review the total repayment before accepting.
Check your offer in Clio
Administrators find pre-qualified offers on the Capital page, based on payment volume and history in Clio Payments.
Borrow what you need
Choose any amount up to your maximum, and the fee adjusts as you go.
Know the cost before you commit
One flat fee is built into the repayment total, and it’s shown before you accept.
Use it where the firm needs it
Spend the funds however the firm needs, with no collateral required.
Your trust account stays out of it
Clio Capital works with your operating account, so client funds are never part of the loan.
Funds go to operating
Money arrives in your operating account in as little as two business days.
Repay on a fixed schedule
A fixed weekly debit comes from operating until the balance is repaid.
Pay off early
Make an extra payment or clear the balance early with Make Payment, at no extra fee.
Financing a law firm shouldn’t mean guessing at the cost
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Celtic Bank Issued by Celtic Bank, powered by Stripe
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2 days Funds in as little as two business days
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400,000+ legal professionals trust Clio
How eligibility works
Stripe reviews your payment history
Eligibility comes from your payment volume and history in Clio Payments.
Credit checks don’t affect your score
Some applications include a personal credit check, which doesn’t affect your personal credit score. You’re told during the application if one is needed.
Offers refresh every 30 days
An offer stays open for 30 days, then Stripe reassesses it.
Keep cash coming in between offers
Financing covers a gap. These tools in Clio help keep revenue moving the rest of the time.
Capture time as you work
Clio’s AI turns emails, documents, and mobile calls into draft time entries for you to review.
Send bills sooner
Recorded time can become draft bills on select plans, routed to the approvers you name.
Let clients pay over time
Pay Later lets eligible clients finance legal fees through Affirm while your firm is paid upfront.
Law firm financing resources
Law firm financing FAQs
Is Clio Capital a loan?
Yes. Clio Capital loans are issued by Celtic Bank and powered by Stripe, and all loans are subject to credit approval. You repay a fixed total consisting of the amount you borrow plus a flat fee. Get a demo.
Do I need to use Clio Payments?
Yes. Eligibility is based on your payment volume and history in Clio Payments, and offers appear on the Capital page for users with the Administrator role access. Firms that don’t process payments through Clio yet can start by setting up Clio Payments in just a couple of clicks. Explore Clio Payments.
Does Clio Capital touch my trust account?
No. Funds go into your operating account and repayments come out of it. Your trust account isn’t involved at any point. Get a demo.
Will applying affect my personal credit?
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. Get a demo.
What does Clio Capital cost?
One flat fee, based on your payment volume and how long you’ve used Clio Payments. It’s built into your repayment total, which you see before you accept. Get a demo.
How does repayment work?
A fixed amount is debited from your operating account each week until the total is repaid. You can make extra payments or pay off the balance early with Make Payment, at no additional fee, and your trust account is never part of repayment. Get a demo.
How quickly do funds arrive?
Funds can arrive in as little as two business days after you accept, as long as a valid bank account is set as your main payout method. Get a demo.
Where is Clio Capital available?
Clio Capital is available to customers in the United States. Financing may not be available in certain states because of local rules and regulations. Get a demo.
Who do I contact about my loan?
Questions about an offer or an active loan go to Stripe, which manages Clio Capital financing, rather than Clio support. This help article explains how to apply for and manage financing. Read the help article.
Disclosure
Clio Capital loans are issued by Celtic Bank and powered by Stripe, and all loans are subject to credit approval. Clio Capital is available to customers in the United States. Financing may not be available in certain states because of local rules and regulations.