Managing cash flow can be one of the most stressful parts of running a small business or professional firm. Traditional bank loans often involve slow, bureaucratic processes, extensive documentation, and low approval rates that make it difficult to capitalize on sudden growth opportunities or handle slow months.

That is why we are introducing 8am Capital, a fast and intuitive lending solution powered by Fundbox and offered directly within the 8am platform you use every day.

8am Capital is our premier embedded lending solution designed specifically for qualified firms. Rather than forcing you to juggle multiple systems or deal with traditional banking hurdles, 8am Capital is integrated seamlessly into your workspace. It gives you fast access to working capital when you need it most, allowing you to focus on your clients rather than your cash flow.

We believe lending should be clear, automated, and out of your way. 8am Capital operates as a flex loan model that simplifies both borrowing and repayment:

With 8am Capital, you gain a powerful financial tool designed to unlock growth and ease operational friction:

8am Capital is exclusively available to qualified LawPay customers operating within the United States.

Note: Eligible firms will receive an invitation or dashboard notification as availability rolls out to their account tier.

Need assistance checking your initial eligibility status or have questions about how transaction percentages apply to your daily batches? Please feel free to reach out to our support team right through your dashboard chat portal!

Who provides the funding — is this an 8am product or a third-party product?

8am Capital is powered by Fundbox, an external third-party lending provider. Loans and lines of credit are made available by Fundbox or its bank partner, Lead Bank. While the product lives inside your 8am / MyCase dashboard and carries 8am branding, the lending, underwriting, and servicing are handled by Fundbox.

Which states is 8am Capital available in?

8am Capital is available to eligible LawPay users across the United States. The product is not currently available to businesses located in Texas but should be available in Q4.

The 8AM Capital product will have limited availability at launch and will not be available in the following states:

Additional state-specific disclosures apply in New York, Connecticut, and Virginia, which are presented during the application process.

How do I know if I'm eligible or pre-qualified?

If you are pre-qualified, you'll see an offer surfaced in your LawPay dashboard — either in your Home tab as a widget or in your Capital tab. The offer will display your pre-qualified amount. If no offer appears, you may not currently meet eligibility criteria, which are based on your LawPay payment history and volume. Eligibility is re-assessed periodically.

Will applying affect my credit score?

Starting an application does not impact your credit score — only a soft inquiry is performed at the time of application. Before your application begins, you'll be asked to provide consent for the soft inquiry (at application).

How much can be borrowed? Is there a limit?

Eligible firms can receive up to $100,000 in funding.

My offer has expired. Can I get a new one?

Pre-qualification offers expire after 30 days. If your offer has expired, Fundbox will periodically re-assess your eligibility based on your latest payment data.

What is the APR?

APR is the estimated cost of your financing expressed as a yearly rate. APR incorporates the amount and timing of the funding you receive, fees you pay, and the periodic payments you make.

This calculation assumes your estimated monthly payouts reported by 8am will be {(total payment amount / expected term in weeks) * (52/12)/withholding rate)}

Since your actual revenue may vary from the initial estimate your effective APR may also vary.

APR is not an interest rate. The cost of this financing is based upon fees charged by Fundbox rather than interest that accrues over time.

Does the Total Cost of Financing include interest?

No, not in the traditional sense. 8am Capital uses a flat fee model, not compounding interest. The Total Dollar Cost of Financing represents a single, fixed fee that is shown to you upfront before you accept. There is no interest that accrues over time and no origination fee.

What is the breakdown of the fee (Total Dollar Cost of Financing)?

It is one flat fee: what you see is what you pay. There are no separate line items for origination, processing, or interest. The fee is calculated based on your offer and shown clearly before you accept, so you know the full cost of borrowing before committing.

What does Weekly Minimum Payment mean?

The Weekly Minimum Payment is the minimum for how much is repaid each week. Even if your daily withholding doesn't add up to that amount on its own (e.g., a very slow week), the minimum ensures repayment stays on track. Think of it as the baseline pace of payoff regardless of volume. You can, however, pay it off faster if you choose.

What does Daily Withholding Rate mean?

The Daily Withholding Rate is the percentage of each day's LawPay operating deposits that is automatically applied toward repayment. On busier collection days, more comes off the balance and on slow days, less. It's designed to flex with your actual cash flow rather than hitting you with a fixed amount regardless of what's coming in.

Is there a prepayment penalty?

No, there are no prepayment penalties

Is repayment automatically debited from the associated bank account? What if I don’t want that?

Yes — repayment is automatic. A small percentage of your daily LawPay deposits is debited each day toward your balance. This is built into the structure of the product. If you prefer not to have automatic debiting, 8am Capital may not be the right fit, as the repayment mechanism is tied directly to your LawPay payment processing.

How do I draw funds from my approved loan?

Log in to your LawPay account and navigate to the Capital tab. Enter the amount you'd like to draw (minimum $1,000, up to your approved limit), review the loan terms, sign the loan agreement electronically, confirm your bank account details, and click to confirm.

Initiate the loan by 2:00 PM CT to receive funds as soon as the next business day. A confirmation email will be sent once funds are on the way.

When will funds arrive in my bank account?

If you submit your funds request before 2:00 PM CT on a business day, funds should arrive in your connected bank account as soon as the next business day. Fund requests submitted after 2:00 PM CT or on weekends/holidays will be processed the following business day. You'll receive a confirmation email once the draw is processed.

My approval offer expires in 30 days — what happens if I don't draw in time?

Your approved loan offer will expire 30 days from the date of approval if you do not draw funds. After expiration, the offer is no longer accessible. You will be re-assessed for a new offer regularly based on your continued payment activity and will see new offers in LawPay.

How does repayment work?

Repayment happens automatically in two ways: (1) A daily debit equal to a fixed percentage of your previous day's LawPay payments is debited each business day. (2) A weekly minimum payment is debited each week to ensure consistent progress.

If your daily debits for the week meet or exceed the weekly minimum, no additional weekly debit is taken. All debits come from the bank account linked to your LawPay account for LawPay fees.

Note: Example: If your weekly minimum is $500 but daily debits totaled $600 that week, no additional weekly debit is taken. If daily debits only totaled $300, a $200 top-up debit is taken.

Can I pay off my loan early?

Yes, you can pay off your total remaining balance early at any time from your Capital tab dashboard. There is no prepayment penalty — you simply pay the remaining principal plus fees. To pay early, navigate to the Capital tab and use the "Pay Early" option. Note: if an automatic payment is currently in "transmitted" status, you'll need to wait for it to process before paying early.

Where can I view my payment history and loan status?

All loan details are available in the Capital tab of your LawPay dashboard. You can view your remaining balance via the loan progress bar, your next scheduled payment amount and date, your full payment history (date, amount, type, status), and any overdue balance. Use a desktop computer with Google Chrome for the best experience.

I can't access my Capital tab or the dashboard isn't loading. What should I do?

Ensure you are using a desktop computer running the latest version of Google Chrome. Try clearing your browser cache and refreshing the page. If you're still unable to access the Capital tab, it may be because: (1) you haven't yet started an application, (2) your offer has expired, or (3) your account status has changed (4) you are not the listed owner of the firm for LawPay. Contact 8am support if the problem persists.

Can I get another loan after I pay this one off?

8am Capital offers "refills" — additional loan offers to customers who demonstrate strong repayment behavior.

I'm getting emails from [email protected] — is this legitimate?

Yes, this is a legitimate email address. All transactional and servicing emails for 8am Capital are sent from [email protected]. The sender name will appear as "8am Capital." This is a co-branded email address used to keep communications consistent while ensuring regulatory compliance. If you have concerns about a specific email, verify by logging into your LawPay account directly.

How do I unsubscribe from 8am Capital marketing emails?

You can unsubscribe from marketing emails by clicking the "unsubscribe" link at the bottom of any 8am Capital marketing email. Note that unsubscribing from marketing emails does not affect transactional or servicing emails (such as payment confirmations, approval notices, or overdue balance alerts), which you will continue to receive as required by law or as part of your loan agreement.

What happens if I am unable to make a payment/don’t have enough funds?

We understand cash flow isn't always predictable. If a payment can't be processed, the amount will be tracked as an overdue balance and you can make a payment from your dashboard whenever you're ready.