How to Get Your Law Firm Approved for a Line of Credit in 2026: The 10-Step Lender Package Underwriters Actually Accept

Most law firm credit applications are not declined on creditworthiness — they are declined on documentation. Underwriters want cash-basis and accrual statements, a clean trust reconciliation, an aged AR and WIP schedule, and proof that client money was never touched. Here is the ten-step package that gets a working capital line approved, and the three items that quietly kill applications.