ALP- Retainer Financing

Most likely, yes. Pre-qualification takes only a few minutes and does not affect your credit score. Clients with credit scores of 590 and above typically receive at least one offer. The amount you're approved for and the terms offered depend on your overall credit profile and income, but most applicants qualify for some level of financing.

Red flags on your credit history—recent bankruptcies, multiple delinquencies, or fraud alerts—may affect eligibility. But for most people going through divorce, financing is accessible.

Documentation requirements vary based on the loan amount and underwriter. Generally:

• Lower amounts: Minimal documentation—often just identity verification
• Higher amounts: May require income verification (pay stubs, tax returns, bank statements)

Both of our financing partners use soft credit checks initially. A hard credit inquiry only occurs after you've reviewed and accepted a specific offer.

All financed funds (except your first month's fee, setup fee, and application processing fee) are held in our client trust account on your behalf. If you terminate services before using the full balance:

• You receive a refund of the unearned trust balance
• Any outstanding amounts owed are deducted from the refund
• You receive a final statement of account
• Your loan terms remain unchanged—continue making payments or pay it off early (no prepayment penalties)

FlexLaw is month-to-month. You're never locked in.

You can apply for additional financing as needed. Many clients finance in six-month increments, applying for a new financing plan if their case extends longer than anticipated.

For most people, yes. Here's why:

Cash preservation: You'll need liquidity during and after your divorce. Financing preserves your cash for housing, living expenses, and emergencies.

Strategic positioning: In California, debts incurred during marriage—including legal fees—are community obligations subject to division. When you finance instead of paying cash, that debt becomes a negotiating point in your settlement.

Access to representation: If you can't afford to pay cash upfront, your alternative isn't "free"—it's going without professional help against a spouse who may have it. That can cost you far more in the long run than any interest you'd pay on financing.

Predictable payments: Unlike hourly billing that surprises you with unpredictable invoices, financing gives you a fixed monthly payment you can budget around.

We work with trusted consumer financing providers, including Affirm and Flexxbuy, to offer our clients flexible payment options. These are established financial services companies that specialize in consumer lending.