Best of Breed Client Financing

ePay Finance is a Proven legal fee lending solution for attorneys that meets bar rules governing client finance while providing results and is easy to implement. 

“People apply for the loan, they get financing, then we get paid. It’s a very straightforward system. It doesn’t hurt their credit to check it.” - Dennis Dozier Jr.

Legal Fee Financing

Solutions Tailored to your Legal Practice.


Attorneys and law firms are held to a different set of rules. Bar compliance is a big factor so we recommend platforms that best meet bar guidelines and consider other legal vertical specific issues like IOLTA accounts, usury laws and evergreen retainers.

Attorney Legal Fee Financing

No Field of Law or Case Specialty Limitations.

You are able to collect your fees upfront regardless of the case. Criminal Defense, Divorce, Family, Adoption, Immigration, Estate, Bankruptcy, Tax, Business, Labor and More can all be billed to and collected from your client upfront.

Attorney Fee Financing Merchant

Value-Add Options that Increase Client Retention. 

Not all clients have the credit worthiness to merit lender offers. Supplement your firms options by offering affordable auto-draft payment options with integrated billing and collections services, allowing your team to focus on your clients cases.

The Challenges Regarding Client Lending

Legal services is not deemed a "preferred" vertical market by traditional lenders which leaves law firms seeking alternative lending options for their clients. Unfortunately, most alternative options offer predatory interest rates, fluctuating discount costs to the firm and do not adhere to bar rules governing client finance.


ePay Finance has years of experience and a proven track record of assisting firms to provide representation to cash-strapped clients while eliminating the time and effort that staff spends on follow up and collections. There are many testimonials available for ePay Finance.

The ePay Finance platform was developed specifically for the legal community; taking great care to consider not only bar regulations but also, trust accounts, usury laws, affordability for both the firm and the client as well as fee structures and support.

No Compulsion To Perform
IOLTA and Trust Accounts
Usury Laws & Fair Market Pricing
Arms Length Transactions
Fee Structures: Retainer, Flat, Statutory
Bar Compliance

“We had a team of lawyers throughout the country that helped us research. We were calling the bar of various states, and ePay Finance really understands the rules and how to craft the entire loan process.” - Brett Schoneman, Imhoff & Associates

Attorney Legal Fee Retainer Financing

ePay Finance

Founded in 2000, ePay's loan referral financing solution provides more approvals, higher loan amounts and longer term options than traditional lending options. They cater to attorneys and law firms with a focus on compliance.

The ePay marketplace lending platform features instant credit decisions and aggressive credit policies. The goal for the platform is to make it as comprehensive and simple for the firm as possible.

About the ePay Finance Platform

Firms that enroll in the ePay Finance consumer financing platform give their clients access to up to 10 lenders with a single pre-application process. They blanket the borrower pool with offers for those with excellent credit expecting low, single-digit interest rates to those with sub-prime credit that are typically not desirable for most lenders.

Many applicants receive multiple offers so they can choose the offer with the terms, interest rate and payment that best fits their budget. Initial offers are made without affecting credit scores.

"You should use ePay Finance because they have great customer service, they care about their clients and they really want to help people to get money for their legal services.”

- Cindy Weatherly, Robinson & Henry

Attorney Legal Fee Financing

Flexible Monthly Payments

Applicants may receive multiple offers from up to ten lenders  providing an opportunity to the borrower to choose the offer that best fits their budget.

Loans for Attorney Retainer Fees

Check Your Rate Feature


Clients are able to check offers and approval terms with just a short pre-application with a soft credit pull which won't effect their credit score. They simply click the offer they want to start the loan process.

Attorney Fee Financing Merchant


No Ink-to-Paper


The entire process, from completing the pre-application to completing the loan documentation and uploaidng of stipulations (Usually just a driver's license and proof of income) is all electronic.

Legal Retainer Financing

No Recourse


Clients are funded directly by the borrower and firms are notified upon funding to collect their fees. Their is no recourse or liability to the firm if the borrower defaults on the loan.


Legal Fee Financing


Smart Billing


Firms are billed a discount fee on collected loan amounts. If a firm is unable to retain a client after funding or collects a lesser amount than what was funded to the cliet, the firm is only responsible for fees on the collected amount.

Attorney Retainer Fee Financing Merchant

Custom Landing Page

Law Offices are provided a custom landing page and application link. Firms are able to have clients complete the application on the fly from any web-enabled electronic device such as laptops, tablets or mobile phones.

Benefit from Lender Denials with ePay Denefits

Denefits is a leading consumer financing platform used by clients and attorneys across North America. They bring technology and law firms together to bring innovative financial solutions to an enormous legal representation problem - non affordability.

The Denefits customer financing platform allows thousands of firms across North America to help make their service affordable to clients by offering them an affordable financing option. So, whether your clients have low credit scores, cannot qualify for financing, or need additional financing help for a part of their representation, Denefits can help.


Let Denefits manage your in-house payment plans and invoicing with guaranteed payments and FREE payment processing so you, the firm, can do what you do best.... practice law.

About the Denefits Platform

Traditional and alternative financing solutions alike have underwriting criteria that must be met when reviewing financing applications. Even the most liberal of lenders require minimum FICO scores with debt-to-income and charge-off history also being major factors. The bottom line is that attorneys have a difficult time finding funding for many of their credit challenged clients. -- Enter Denefits.


  • Guaranteed client financing
  • No credit checks
  • 100% approvals
  • Guaranteed payments


Denefits is the perfect supplement to existing retainer fee financing solutions.


“With ePay Finance the approvals popped up exponentially compared to what we had before. We wouldn’t have these retainers had they not had this opportunity. Our clients really like it.”

- Tom Lawson, Imhoff & Associates

Attorney Legal Fee Financing

Guaranteed Customer Financing


There is a 0% service fee so the firm collects the amount that is financed to the client, The firm keeps 100% of the down payment and Denefits guarantees payments making it the perfect solution to use in conjunction with ePay Finance..

Loans for Attorney Retainer Fees

Payment Processing


Its a simple and transparent process so you will always know how much the transaction fee is. Firms have the choice to either share or pass on the transaction fee to the client and provides instant payouts to the firms bank account..

Attorney Fee Financing Merchant

Automated Accounts Receivable

Denefits manages all of your cliient's accounts including the collection of overdue payments with no service fees. Their system will automatically bill out and collect from your existing clients saving you time and money.

Legal Retainer Fiancing

No Credit Checks


Denefits believes everyone deserves access to professional legal representation, no matter their credit score, which means they have a 100% approval rate.

Legal Fee Financing


Clients Can Rebuild Their Credit


Denefits reports to the Experian, Equifax and TransUnion credit agencies - so when your clients make their payments on time, they will also be improving their credit score.

Attorney Retainer Fee Financing Merchant

Flexible Payment Plans


Clients can customize their financing plan to a payment schedule that works best for them. They can easily make changes to the loan term and monthly payment to best suit their needs.

Contact Information

Epay Legal Fee Financing for Attorneys


ePay Finance


(877) 493-3729


60 E. Rio Salado Parkway, Suite 900

Tempe, Arizona 85210

Formal Opinion 484
In November of 2018 the American Bar Association's Standing Committee On Ethics and Professional Responsibility published Formal Opinion 484 regarding "A Lawyers Obligations When Clients Use Companies or Brokers to Finance the Lawyer's Fee".

You can download the opinon here: Formal Opinion 484

This site is owned and operated by ePay Management, LLC

Copyright © 2021 | All rights reserved