First Horizon delivers full-service banking designed specifically for plaintiffs’ law firms. From flexible credit products to operating accounts and partner private banking, our dedicated legal banking team understands litigation-driven businesses and provides the tools you need to grow.
Why Choose First Horizon?
We are more than a lender – we are a strategic partner. Our underwriters understand dockets as well as balance sheets, and our specialized borrowing base formula allows us to extend credit secured by contingent fee inventory and case values. We provide firms with financial strength to expand, manage expenses, and capture new opportunities.
Our Value Pillars
Specialized Credit for the Plaintiffs’ Bar
- Case Cost Lines of Credit for litigation expenses
- Case Acquisition Financing to grow your docket
- Working Capital Lines for operational stability
- Post-Settlement Lending for liquidity against approved settlements
Flexible Borrowing Base
- Advances secured by contingent fee inventory and evaluated case values
- Concentration limits and reserves tailored to firm risk management
- Transparent credit structure
Full-Service Banking Support
- Operating Accounts and Fiduciary Accounts (IOLTA, Trust, Escrow)
- Dedicated Legal Banking Relationship Managers
- Private Banking and Wealth Management for partners
How It Works
Step 1: Law firm applies for credit facilities tailored to their docket.
Step 2: Eligible settlements, contingent fee inventory, and case values are evaluated.
Step 3: Credit extended through flexible lines (case cost, acquisition, working capital).
Step 4: Settlement proceeds flow through First Horizon operating & fiduciary accounts.
This integrated model strengthens your firm at every stage of growth.
Our Competitive Advantage
- Dedicated team with deep experience in the plaintiffs’ bar
- Credit underwriting built around litigation assets, not just financial statements
- Full-service banking plus private wealth solutions for partners
- A trusted partner in both firm operations and settlement fund management
