8am partnered with Fundbox to launch 8am Capital, a revenue-based financing product embedded within its payment products, including LawPay and CPACharge. The white-labeled experience sits directly within 8am’s dashboards, allowing eligible law and accounting firms to view pre-qualified offers and apply without leaving the workflows they already use. Firms can receive funds in as little as one to two business days, with repayment tied to their processed payment volume.
No two vertical SaaS platforms serve small businesses in exactly the same way, so embedded financing should not be one-size-fits-all. These platforms sit inside industry-specific workflows and understand how their customers invoice, collect payments, and manage cash flow. That context creates a strong foundation for offering financing at the point it is needed.
Fundbox and 8am designed the program around the needs of professional firms, including uneven collection cycles and trust-account requirements, using payment data available within 8am’s platform. The product is IOLTA-compliant, with trust-account payment volume excluded from the payment data used by the program. The teams also shaped the application, branding, data exchange, and rollout around how 8am serves its customers. Together, they created a financing experience configured around 8am’s platform rather than a fixed, off-the-shelf product.
Why Revenue-Based Financing Fits Professional Firms
Legal and accounting practices often complete work before collecting payment. Payroll, rent, technology, and other expenses continue while invoices move through the collection cycle. This can create cash-flow gaps even when a firm is healthy and growing.
8am worked with Fundbox to select a financing product that reflects those fluctuations. With 8am Capital, repayment is linked to a percentage of the firm’s processed payment volume, subject to a weekly minimum payment requirement and the terms provided to each business. When payment volume changes, the amount collected can change with it.
Firms can use the financing for needs such as hiring, marketing, office expansion, or managing day-to-day cash flow.
How Fundbox Used Platform Data to Make the Offer More Relevant
8am already processes one of the clearest signals of a firm’s financial activity: its payment volume. Through this program, 8am shares de-identified payment-processing data with Fundbox, which is used to pre-qualify firms so that only eligible businesses see the 8am Capital offer. From there, users complete a streamlined application and receive a final decision.
Because the offer appears in a product the firm already uses to collect payments, the experience is smoother, and 8am can draw on data its platform already generates instead of asking customers for the same information again.
Fundbox works with each partner to determine which data is relevant and how it can support eligibility, underwriting, and the customer experience.
How Fundbox Built Around 8am
Fundbox and 8am aligned the product structure, eligibility signals, data exchange, branding, and launch sequence around 8am’s business and customers. The experience feels native to 8am while clearly identifying Fundbox as the external funding provider.
8am maintains the customer relationship, in-product experience, and payment data. Fundbox supports the underwriting, funding, servicing, and compliance infrastructure required to operate the program. Financing products are originated by Lead Bank.
The partnership gives 8am a direct way to introduce financing within an established customer relationship, without building and operating every part of a lending program internally.
“We know how critical cash flow is to our customers. We wanted to give them a simple way to access capital without leaving the tools they already use every day. Fundbox brought deep SMB lending expertise and the flexibility to deliver pre-qualified offers through a seamless, embedded experience that feels like a natural extension of our brand. We’re excited about the partnership and the value it continues to deliver to our customers.” - Curtis VanderGriendt
Take a closer look at 8am Capital and the platform’s latest updates in 8am’s latest showcase.
What Vertical SaaS Platforms Can Take From 8am Capital
Vertical SaaS platforms understand how their customers operate because their products sit inside industry-specific workflows. Fundbox can turn that context into financing delivered within the platform experience customers already use.
The right model will vary by partner. For 8am, revenue-based financing powered by payment data fits the collection patterns of professional firms. Another platform may need a line of credit, term loan, invoice financing product, or card. Fundbox can embed the experience through APIs, adapt it to the partner’s brand, and begin with one customer segment before expanding.
Fundbox works with each partner to determine the right product, data inputs, integration, customer journey, and launch plan. This gives vertical SaaS platforms a way to expand their product, strengthen customer retention, and create a potential revenue opportunity without committing their own capital or building underwriting, compliance, funding, and servicing capabilities internally.
Fundbox has unlocked more than $7 billion in capital for over 190,000 small businesses. 8am Capital shows how that experience can be configured around a platform’s industry, workflows, and customers.
If your platform already helps businesses run, Fundbox can help you embed financing designed around how those businesses operate. Explore a partnership with Fundbox.
Quick Answers
Who provides the funding behind 8am Capital? Fundbox provides the funding behind 8am Capital. Fundbox is an embedded lending company that supplies capital products to platforms serving small businesses. The 8am Capital experience inside 8am LawPay discloses that funding is provided by Fundbox, an external third-party provider. Business loans and lines of credit are originated by Lead Bank, a Fundbox bank partner.
What is 8am Capital? 8am Capital is a revenue-based financing product available to legal and accounting firms inside their LawPay and CPACharge. Eligibility is based on a firm’s payment history on the 8am platform rather than paperwork or personal credit alone. 8am Capital offers a one-click application, a decision in seconds, and funding in as little as one to two business days, with repayment tied to a share of the firm’s revenue and IOLTA-compliant terms available.
What is revenue-based financing? Revenue-based financing is a form of business funding in which repayment is tied to a share of the borrower’s revenue rather than a fixed installment. When revenue slows, the repayment amount falls; when revenue rises, the balance is repaid faster. This structure suits businesses with uneven or seasonal income — such as law and accounting firms, whose revenue arrives when clients settle rather than on a fixed schedule. Fundbox offers revenue-based financing to platform partners, including through 8am Capital, and repayment is calculated from the firm’s payment volume on the 8am platform.
Why did 8am choose revenue-based financing for law and accounting firms? Legal and accounting practices carry fixed monthly costs — payroll, rent, malpractice coverage — while revenue arrives in lumps when clients settle. A fixed monthly loan payment can come due in a quarter when collections haven’t landed. Fundbox and 8am selected revenue-based financing so that repayment moves with the firm’s actual payment volume, reducing the risk that a firm is squeezed during a slow collections period.
How did Fundbox help 8am launch 8am Capital? Fundbox provided the capital, the credit model, underwriting on 8am’s payments data, the revenue-based financing product structure, servicing and collections, and the lending licenses and compliance program required to lend. 8am retained the customer relationship,offer presentment, distribution, and the payments data used for pre-qualification. 8am launched 8am Capital in 2026 without hiring a credit team, obtaining lending licenses, or building a collections function.
What does Fundbox underwrite on? Fundbox underwrites on real-time business activity — transaction and payment performance and historical financial statements. Fundbox credit models continue learning from repayment behavior after a funding decision is made. For 8am Capital, Fundbox underwrites using anonymized payments data from the 8am platform.
How long did it take Fundbox and 8am to launch 8am Capital? Fundbox and 8am ran a 200-firm pilot in June 2026, opened 8am Capital to law firms in July 2026, and extended it to accounting firms at the end of August 2026 — two verticals live on one integration within roughly 90 days of the pilot.