Advocate Working-Capital Fund

You’ve done the work. You shouldn’t have to wait.

Short-term private credit for advocates facing predictable delays between completed work and payment. Bridge the timing gap, protect your practice cash flow and stay focused on your briefs.

Start an Application See How It Works

60–90 day facilities R100k–R500k typical loan size Confidential assessment

Watch: 10-second overview

Advocate’s FundWorking capital while you wait for qualifying fees.

60–90 daysShort-dated working-capital term

R100k–R500kTypical funding range

Verified brief flowUnderwritten against qualifying work

Professional & confidentialDesigned around advocate practices

Built for the cash-flow gap

Liquidity when timing — not work — is the problem.

The facility is structured around verified brief flow and receivables. It is designed to bridge predictable settlement delays, not to fund speculative claims or contingency-based matters.

Stabilise cash flow

Bridge the period between completing matters and receiving payment, so irregular settlement cycles do not dictate your practice liquidity.

Meet practice commitments

Maintain normal practice operations and recurring commitments while qualifying fees remain outstanding.

Keep your practice moving

Preserve working capital for technology, research support and other legitimate practice requirements.

Facility at a glance

Simple structure. Disciplined underwriting.

West Street Capital assesses the underlying brief flow, historic cash generation and repayment pathway before any facility is approved.

✓Funding is linked to verified work and receivables.

✓Approval remains subject to credit assessment and legal documentation.

✓Final pricing and repayment terms are disclosed before acceptance.

Facility term: 60–90 days, up to approximately three months.
Loan size: R100,000–R500,000, with up to R1 million considered for senior counsel.
Eligible borrowers: Advocates operating in established chambers and meeting the fund’s underwriting criteria.
Security: May include fee cession, an Acknowledgement of Debt (AoD) and a personal guarantee, depending on the facility.
Funding scope: Verified brief flow only. Contingency-based matters and speculative claims are excluded.

How it works

Four steps from request to disbursement.

A complete application pack helps us move quickly. Credit approval is not automatic and remains subject to satisfactory underwriting and documentation.

Request

Contact West Street Capital directly or through your chambers referral channel.

Initial check

We confirm professional standing, chamber membership and completeness of the application.

Credit assessment

We review brief flow, bank statements and the relevant receivables and repayment pathway.

Decision & funding

Approved applicants sign the required legal documents before funds are disbursed.

Who qualifies

Designed for established advocate practices.

Eligibility is a starting point, not an approval. The final decision depends on the quality of the application, underlying cash flows and credit assessment.

Core eligibility

Minimum three years of practice experience.
Operating within established chambers.
Good standing with the Legal Practice Council.
Funding linked to verified brief flow.

What to have ready

At least six months of bank statements.
Information supporting the relevant briefs and receivables.
Consent to reasonable receivable verification.
Willingness to sign the required security and AoD documentation.

Transparent pricing

See the economics before you commit.

The original 90-day illustration is retained below, but presented more clearly. The example assumes a R100,000 facility with a 7% monthly discount over three months, plus a R3,000 monthly administration fee.

Important: This is an illustration, not a quotation. Final pricing, net disbursement, security and repayment terms are facility-specific and are disclosed upfront.

Illustrative 90-day facility

R100,000

Facility amount

Net amount disbursedR79,000

Monthly admin feeR3,000 × 3

Capital due on day 90R100,000

Illustrative discount rate7% p.m.

The 7% monthly discount produces a 21% total discount over the 90-day illustration. The monthly administration fee is shown separately.

Secure online application

Apply for the Advocate Working-Capital Fund.

Complete the application in five short steps. The form is designed to collect underwriting information without asking you to disclose unnecessary or privileged case details.

Privacy by design. Do not upload pleadings, evidence, counsel opinions or other privileged case papers. WSC requires only information reasonably necessary to assess professional standing, cash flow, qualifying receivables and creditworthiness.

1Professional

2Facility

3Receivables

4Documents

5Declarations

Professional details

Tell us who you are and where you practise.

First name *

Surname *

Email address *

Mobile number *

Chambers *

City *

Years in practice *

Application not eligible: a minimum of 3 years in practice is required. Applicants with less than 3 years in practice are automatically rejected.

LPC / professional number *

Facility request

Provide the amount and term required. Final facility size remains subject to credit assessment.

Funding requested (R) *

Requested term *

Average monthly income (R) *

Current monthly debt / facility commitments (R)

Primary working-capital purpose *The Advocate Fund is intended for practice working capital, not speculative investment or contingency-fee litigation funding.

Qualifying receivables

We need enough information to assess payment visibility. Please do not include confidential client facts or case strategy.

Invoices issued and due to you (R) *

Number of invoices due to you *

Age of oldest invoice (days) *

Expected next material payment date

Primary instructing attorney / firm relevant to the receivables *WSC may verify receivables with the instructing attorney as part of underwriting.

Optional receivable context

I confirm that the funding request does not relate to a contingency-based or speculative claim.

Supporting documents

Upload only the documents needed for credit assessment. Accepted formats: PDF, JPG or PNG.

Six months of bank statements *Prefer a single PDF or a clearly named set of PDFs.

Proof of chambers membership *

LPC / professional standing *

Invoices issued and outstanding *Provide invoice information sufficient to verify the receivables (attach invoices). Redact unnecessary privileged or sensitive case information.

Certified copy of ID and Proof of address.These documents must not be more than 3 months old.

Declarations and consent

Please confirm the statements below before submitting your application.

I declare that the information and documents supplied are true, complete and accurate to the best of my knowledge. I authorise West Street Capital to verify my professional standing, banking information, receivables and information reasonably required for credit assessment, including contacting relevant instructing attorneys where necessary. I consent to lawful credit and identity verification checks required for underwriting, fraud prevention and regulatory compliance. I consent to WSC processing the personal information submitted with this application for assessment, administration, compliance and related credit purposes in accordance with applicable data-protection requirements. I understand that submission of this application does not constitute approval or a funding commitment and that any facility remains subject to WSC's final credit decision and legal documentation.

Electronic signature — full name *

Date *

By submitting, you confirm that WSC may retain application records for legitimate credit, legal, audit and regulatory purposes. A production deployment should link here to WSC's formal privacy notice and retention policy.

This downloaded preview cannot transmit sensitive documents. Connect the protected WSC server endpoint before accepting live applications.

✓

Application submitted

Thank you. WSC will review the application and contact you if additional information is required.

Need help before applying?

Speak to the WSC funding team.

If you are unsure whether your receivables or funding requirement fit the facility, contact us before submitting sensitive documents.

funding@weststreetcapital.co.za 072 896 8856