Cartiga turns your pending cases into working capital without the bureaucracy of traditional lending.
No personal guarantees. Just smart financing that understands how contingency practices actually work.
Every settlement pays it down.
The journey
We review your cases, structure a line that fits, and fund it. Hover or tap a step to see what each involves.
It starts with a quick call to see if it’s a fit, then a short application and a list of your open cases. If your caseload fits, we keep going.
Qualification gates are guidelines, not promises — our underwriters have the final say on approval and sizing.
Growth
More intake, more experts, more trials, while your monthly payment stays small and predictable.
A small monthly payment
Sized to your cash flow. That's all you owe month to month.
Settlements do the rest
When a case settles, part of the fee pays the balance down.
Your personal assets stay out of it
No personal guarantee, ever. The cases carry it, not you.
Judge it like any investment in the firm: against what the cases it unlocks return.
The gap is the work you'd have turned away. Capital put into intake and case work comes back through the cases it helps you take.
One line, four jobs
It's one line of capital, not a menu of products. Use it wherever it does the most for your firm.
myCartiga · Available
$250,000
Draw what you need, when you need it.
Case expense logged ✓
Expert witness · $4,800
Client statements are generated per case — a line item in the closing statement, alongside the attorney fee and cost recovery.
myCartiga
Track interest across every case expense in one place. Log expenses as you go, and decide at settlement how much each case absorbs.
A statement, not a spreadsheet. The portal builds a client statement for each case, interest already calculated.
The plaintiff is protected. A client never owes more than their settlement, and you can waive the interest on any case.
The math works in your favor. As tracked costs approach your balance, your effective cost of borrowing drops. (Illustrative; it depends on how your cases spend and settle.)
Where this fits
No financing fits every firm. The real question isn't the rate. It's the structure: how the capital is underwritten, what you personally sign, and whether the balance is built to be paid off.
Bank line of credit
The familiar option, when your firm fits the mold.
Cartiga Law Firm Capital
This pageBuilt around how contingency firms actually get paid
Merchant cash advance
Emergency capital, not a growth tool
FAQ
With over 25 years of experience, Cartiga uses proprietary data analytics to help law firms increase case value, manage risk, and achieve exceptional outcomes. You get capital plus insights, guidance, and ongoing support to help your firm grow.
Traditional loans lean on business and personal assets. Cartiga's financing is backed by your anticipated contingency fees and repaid through a portion of the fee at settlement — no personal guarantee. Our attorney-led team understands the cash-flow cycles of contingency firms and structures funding to fit them.
Complete the initial application to see if you pre-qualify. If eligible, submit your case list for review — our team selects a few cases for underwriting, and our underwriters determine your funding approval.
Our team is ready to move as fast as the file allows — typically in as little as 48 hours after you complete your application.
Our underwriters review your docket and come back with a conservative offer. They have the final say on approval and amount.
Cartiga requires first lien position, so existing debt is paid off at closing, which can often save you a significant amount in monthly payments.
A set monthly payment based on the size of your line, kept deliberately low. Your settlements do the heavy lifting on the balance.
A quick call to talk through your firm and your cases. Lines run from $50K to $10M, with no personal guarantee.