Fresh Start Funding

What Fresh Start Funding does

Fresh Start Funding is a privately held Tempe, Arizona-based financial services company, founded in 2017, that provides a $0-down, zero-interest financing and accounts receivable management platform for consumer law attorneys. Its primary customers are US law firms that charge flat fees in practice areas including Chapter 7 bankruptcy, family law, criminal law, immigration, estate planning, and probate. Attorneys use the platform to offer clients payment plans of up to 12 months (weekly, bi-weekly, semi-monthly, or monthly) while the company advances the attorney up-front, manages ongoing client collections, and reports payment activity to Transunion and Equifax to help clients build credit.

The company's core technology combines a payment processing and AR management platform (delivered via attorney and consumer login portals, integrated with SimplicityCollect) with credit bureau reporting to Transunion and Equifax. Its proprietary differentiator is a court-validated bifurcated Chapter 7 bankruptcy financing model — a disclosed-financing structure that allows attorneys to receive up-front payment while clients pay over time — supported by published case law and articles in the American Bankruptcy Institute Journal. Underwriting is rules-based: clients with documented gross income above $2,000 per month (including unemployment and disability benefits) are funded without a credit check, yielding an approval rate above 95%.

The business model is a B2B two-sided platform. Attorneys are acquired through a direct sales motion (phone outreach, online forms, and thought-leadership content), then onboarded to a recurring financing and managed-services relationship. Revenue is generated from financing arrangements with law firms and from managed AR services, with consumer-side credit reporting as a value-add. The company is described in its own materials as the "dominant player and thought-leader" in its category, serving hundreds of law firms nationwide, and has 11–50 employees. Co-founder and managing director Matt Hartley leads the company. No venture capital or private equity funding is disclosed.

Name

Fresh Start Funding

Legal name

Fresh Start Funding

Website

https://freshstartfunding.com

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

11–50 employees

Short description

Fresh Start Funding is a Tempe, Arizona-based fintech that provides $0-down, zero-interest financing, accounts receivable management, and credit reporting to consumer law attorneys across bankruptcy, family, criminal, immigration, and estate planning practices, serving hundreds of US law firms.

Ownership category

akta.pro rank

Product category

Legal Financing Services

NAICS

Sales Financing (52222), Sales Financing (522220)

SIC

Personal Credit Institutions (6141), Short-Term Business Credit Institutions (6153)

akta.pro industry

PRIMARYFSAKAFAF

Retail Credit (Closed-End) & Promotional Financing (0%/Deferred Interest)

Financial & Insurance/Lending & Consumer Finance/Point-of-Sale (POS) & Retail Financing (Installment)

SECONDARYFSAKAMAI

Small-Dollar Short-Term Installment Loans (Non-payday)

Financial & Insurance/Lending & Consumer Finance/Payday Loans & Short-Term Credit

Keywords

• Attorney financing
• Legal fee lending
• Accounts receivable management
• Consumer credit reporting
• Bankruptcy payment plans

Headquarters

HQ city

Tempe

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Financing Services: Provides zero-down financing for attorneys offering flat-fee payment plans to consumers. Attorneys receive up-front funding while clients pay over 12 months. The company generates revenue through the financing arrangements with law firms.
2. Accounts Receivable Management: Manages client payments on behalf of attorneys, eliminating the overhead of chasing clients for fees. Includes payment portal, reminders, and credit reporting services.
3. Consumer Credit Reporting: Reports client payment history to Transunion and Equifax monthly, helping clients build their credit while providing an additional service offering to attorneys.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Fresh Start Funding provides a $0-down, zero-interest financing and payment management program for consumer law attorneys, including a line of credit, accounts receivable management, and monthly credit reporting to Transunion and Equifax. The company enables attorneys to offer 12-month payment plans to clients across flat-fee practice areas such as Chapter 7 bankruptcy, family law, criminal law, immigration, and estate planning, with a court-validated bifurcated Chapter 7 financing framework.

Product overview

Fresh Start Funding offers a unified financing and payment management platform for attorneys practicing consumer law. The core offering combines Line of Credit Financing, Accounts Receivable Management, and Consumer Credit Reporting to enable attorneys to offer $0-down, zero-interest payment plans to clients in flat-fee practice areas including Bankruptcy, Criminal, Family Law, Immigration, and Estate Planning. The platform is complemented by Fresh Start University training modules and marketing support tools. Attorneys receive up-front funding while the company manages ongoing client payments and credit reporting.

Differentiator

Problem solved

Functional benefit

Products and services

• Line of Credit Financing Provides consumer law attorneys with a line of credit that delivers up-front funding for flat-fee matters while clients make installment payments over time, energizing the firm's cash flow.
• Accounts Receivable Management Manages client payment collection on behalf of consumer law attorneys, including a payment portal, payment reminders, and trained specialists, eliminating the overhead of chasing clients for fees.
• Consumer Credit Reporting Reports consumer client payment activity to Transunion and Equifax on a monthly basis, helping clients build positive credit history while paying for legal services.
• Zero-Interest Payment Plans Provides qualifying clients with zero-interest installment plans of up to 12 months, with weekly, bi-weekly, semi-monthly, or monthly payment options, requiring documented gross income over $2,000 per month and generally no credit check.
• Fresh Start University Standalone training and education platform that provides consumer law attorneys with bankruptcy training, general practice area training, client brochures, and marketing tips and tools.

Quantifiable outcome

• Over 95% of clients submitted are funded
• +1 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature3 records

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Market position

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xtwitter.com/ZeroDownLegal
• Facebookfacebook.com/FreshStartFunding
• LinkedInlinkedin.com/company/freshstartfunding
• Instagraminstagram.com/freshstartfunding

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Fresh Start Funding