Clio, the world’s leading legal AI platform, is reimagining how law firms manage money with the launch of Pay Later with Affirm and Clio Capital, two major additions to its growing suite of financial services.
For decades, law firms have struggled under a cash flow model that requires large upfront retainers from clients who may not have immediate access to funds. The result: financial strain for both firms and clients. Clio’s new offerings aim to bridge that gap.
Pay Later with Affirm allows clients to pay legal fees through manageable monthly installments, while firms receive full payment upfront. This reduces collection risks and improves cash flow without adding administrative overhead. Clio Capital, meanwhile, offers law firms fast access to capital for managing operations or funding growth initiatives.
By embedding both services directly into Clio Payments and Clio Manage, firms can handle financing, reconciliation, and compliance in one seamless workflow — all while maintaining trust accounting integrity.
“Financial stress has been one of the most persistent challenges facing law firms and their clients,” said AJ Axelrod, Vice President of Payments and Financial Services at Clio. “With Pay Later and Clio Capital, we are changing that dynamic. These innovations reduce administrative burdens, strengthen client relationships, and allow firms to operate with greater stability and scale.”
Both Pay Later with Affirm and Clio Capital will be available to Clio Manage customers in Q4 2025, marking another step in Clio’s mission to make legal services more accessible and sustainable for firms and clients alike.