Legal Fee &


RetainerClient Financing

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.

Platform Benefits

• No Firm or Case Restrictions
  Traditional lending programs like to work with specific "preferred" vertical markets. Unfortunately, Law Firms are not one of them. They typically also have minimum "time in business" and "annual revenue" requirements to participate in their programs and individual cases must be approved, often times leading to uncovered representation and partial funding. Most lenders typically only fund once services have been completed. Because our program is direct-to-borrower, 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.
  
  
• No Recourse To Your Firm
  Clients are funded directly and participating firms are notified upon funding to collect their fees. Not only is their no recourse to your office if the borrower defaults on the loan but firms are only billed discount rates on collected fees. If a client decides to use the funds for another purpose, there is no cost to you.
  
  
• Custom Landing Page & Loan Application
  Every participating law office receives their own borrower application link and custom landing page. Firms are able to have clients complete the application, on the fly, from any web-enabled device; such as a laptop, tablet or smart phone. Application links can be emailed or linked to from your website.
  
  
• Fast & Flexible Offers
  Our marketplace lending platform features immediate credit decisions and "check-your-rate" functionality which allows your client to check approval terms without affecting your customer's credit score. Many applicants will receive multiple offers from more than one lender providing an opportunity to the client to choose the offer that best suits their budget.
  
  
• Get Paid Upfront
  With traditional lending options the merchant is typically not funded until product is delivered or services are completed. This can be a problem in situations where completion of delivery of product or service is not immediate or when required materials must be purchased ahead of time. With our platform, merchants are notified upon funding and are able to collect a partial down payment or in full upon notification.
  
  
• Smart Invoicing for Faster Payments
  Get paid faster with electronic invoicing. Give your clients a simple, secure and efficient way to pay you right in their inbox. Electronic invoicing lets you send a branded payment link to your clients giving them the ability to use a credit card or electronic check in a secure environment, right from their computer, smart phone or tablet.
  
  
• Recurring Billing & Future Payments
  Need to setup a short term payment plan for a client? Do you have customers you bill on a regular basis for long term appointments? Recurring billing lets you quickly and easily setup future transactions. Once the payment information has been captured you simply setup the number of payments, the time-frame between each payment and how much you want to charge and your clients credit cards or checking accounts will be billed automatically. The system even notifies you of cards on file that are soon to expire and can make multiple attempts to collect on declined transactions.
  
  

Bar Rules Governing Client Finance

• No Compulsion To Perform
  Lender must have no oversight role over an attorney’s representation of a client; There can be No Recourse to the attorney of any funds received.
  ALL LOANS ON THE EPAY PLATFORM ARE 100% NON-RECOURSE
  
  
• No Limitation of Choice of Attorney
  The attorney can not be funded in a manner that compels a client to work only with that attorney & so limits choice.
  ALL LOANS ARE MADE DIRECTLY TO THE BORROWER WITHOUT RESTRICTION AS TO USE OF FUNDS. BORROWER IS FREE TO USE FUNDS AS THEY WISH.
  
  
• No Compensation Other Than Collection Of Legal Fees
  Attorney may not receive compensation in any form beyond receipt of their legal fees and recovery of actual costs (such as credit card fees) as a result of the transaction.
  ALL COSTS TO THE CONSUMER ARE PAID EXCLUSIVELY TO THE LENDER AND NOT COMPOUNDED BY ALSO PAYING ANY BROKER A FEE TO PROVIDE SERVICE TO FIRM. EPAY MANAGEMENT IS NOT A BROKER AND EPAY RECEIVES NO COMPENSATION FROM THE BORROWER NOR LENDER IN ANY FORM WHATSOEVER.
  
  
• Arms Length Transaction
  Attorney may have no formal or informal relationship with the lender.
  EPAY MANAGEMENT IS NOT A LENDER NOR BROKER AND FUNCTIONS SOLELY AS A CONCIERGE FOR CLIENT FIRMS BY PROVIDING AN AGGREGATION OF COMPETING LENDERS OTHERWISE UNAVAILABLE EXCEPT AS EACH LENDER APPEARS INDIVIDUALLY AND INDEPENDENTLY ONLINE. CLIENT FIRMS HAVE NO RELATIONSHIP OF ANY NATURE WITH PLATFORM LENDERS.
  
  
• Fair Market Pricing
  Attorney must assure the reasonable expectation a potential client will receive treatment consistent with Fair Market pricing from any referred source.
  FAIR MARKET PRICING IS ASSURED BY THE COMPETITIVE NATURE OF THE PLATFORM – MULTIPLE LENDERS PLACE THEIR BEST POSSIBLE OFFERS BASED ON THE APPLICANT'S CREDIT PROFILE AND DEBT TO INCOME RATIO CONSISTENT WITH EACH LENDERS UNDERWRITING CRITERIA. CLIENT CHOOSES THE OFFER THEY PREFER.
  
  
• EPAY MANAGEMENT IS NOT A BROKER AND EPAY RECEIVES NO COMPENSATION FROM THE BORROWER NOR LENDER IN ANY FORM WHATSOEVER.
  ePay functions solely as a Concierge for our Client firms providing an aggregation of competing lenders otherwise unavailable except as each lender appears individually and independently online.
  
  This service is offered strictly as a convenience for the firms’ prospective and existing clients, in the same manner in which credit cards are accepted.
  
  

Saving With ACH Processing.

Cut your processing bill in half or more with our wholesale payment processing rates.

We offer transparent, cost plus pricing to optimize savings. The card processors establish the interchange rates for all credit and debit card transactions. We simply pass through those costs to you with a small discount rate and transaction fee over those interchange rates. Our rates start as low as 0.05% and $0.05 over cost and we provide a free cost analysis to show you how much you can save.

We also provide alternative, fixed-cost solutions like ACH processing so you can dramatically increase your profitability while giving your clients another payment option.