What we can do for you...

We understand the challenges associated with identifying and accessing the necessary banking and finance solutions to help your law firm grow and thrive.  

Without viable, cost-effective financing, firms typically struggle to maintain the cashflow levels required to support the working capital needs of your business. So how can we help?

Sourcing flexible, viable financing options

As an independent finance broker, we have extensive experience working closely with legal practices to source and implement a broad range of banking and finance solutions that are fully tailored to your business, including;

  • Asset Finance (including VAT/Tax & PII Funding)

  • Bridging Finance

  • Business Cash Advance

  • Business Loans (including Partner Capital Loans)

  • Commercial Mortgages (including Buy To Let)

  • Disbursement Funding

  • Invoice Finance

  • Property Development Finance

  • Working Capital

Through our extensive market knowledge, longstanding professional relationships and access to over 150 funding partners, we can present you with a unique range of solutions that not only meet your regulatory obligations and operational requirements, but also offer real value for money based on the broader market for law firm finance.

We’ll ensure you have numerous viable options to choose from and fully understand each before making a decision, then guide you through the application process whilst helping to present your firm in the best possible light to prospective funders.

Telephone:   Paul McCluskey 07785 503 007 

Contact us for more information about how we help clients to secure viable financing.

​Maximising interest on client and office money

As client and office money specialists, we understand that the interest earned on money held in your client and office accounts can be an important contributor to the firm’s income. In fact, interest earned and retained by firms on client and office money can compete with the profit generated by even the most senior partners.


Although law firms are duty bound to pay clients fair and reasonable rate of interest on monies deposited, you can still leverage your aggregate pool of client money to access higher interest rates, then retain a portion of the income. To that end, we’ve helped clients to better utilise over £50 million of client deposits over the last 6 months alone, helping firms to generate thousands of pounds of additional income.


It’s also important that you have a clear policy in place regarding the treatment of interest earned on client money, and that you structure your accounts appropriately in light of your firm’s day-to-day processes, the SRA Accounts Rules, and any financial risks that might arise.

So how can we help?  Well, we can help you to understand your commercial banking options to generate income for your firm. We can then utilise our extensive network to set you up with a banking relationship designed to maximise your returns, all the while ensuring compliance with the SRA Accounts Rules and other applicable regulatory frameworks.

Contact us for more information about deposit rates for client money.  For information on deposit rates for office money, click here.

Rest assured, you’re in safe hands…

NACFB commercial finance brokers are required to have Full or Limited Consumer Credit Permission, Professional Indemnity Insurance, a Data Protection Licence, and a strong track record with nationally recognised lenders.

Our national network of independent and experienced commercial finance brokers deliver every possible funding solution an SME owner would require by accessing a funding panel of over 200 providers.

Gemstone Legal is an independent commercial finance broker not a lender, as such we can introduce you to a wide range of finance providers depending on your requirements and circumstances. We are not independent financial advisors and so are unable to provide you with independent financial advice. Gemstone Legal may receive payment(s) or other benefit from the finance provider if you decide to enter into an agreement with them. Gemstone Legal is an appointed representative of AFS Compliance Ltd which is authorised and regulated by the Financial Conduct Authority under number 625035.

Gemstone Legal aims to provide our customers with the highest standards of service. If our service fails to meet your requirements and you would like to report a complaint; please click on the link below:

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"With an in-depth knowledge of law firm finance we help firms to source the right funding package and secure the best client money deposit rates on the market."

Paul McCluskey, Managing Director