8am, the financial technology provider behind LawPay and CPACharge, is expanding further into embedded finance with the launch of 8am Capital, a new funding product that uses payment activity to assess eligibility.

The product, unveiled as part of the company’s Fall 2026 Showcase, is built directly into 8am LawPay and uses funding from Fundbox. Rather than relying solely on traditional credit checks and financial paperwork, 8am Capital uses a firm’s payment history to help determine whether it qualifies for funding.

Approved firms can receive funds within one to two business days, while repayments adjust according to revenue rather than following a fixed monthly schedule. The company said the structure is IOLTA-compliant for practices managing client trust accounts. Firms can use the funding for expenses including hiring, marketing, office expansion and day-to-day cash flow. Fundbox’s products are originated by Lead Bank.

The launch reflects a broader move by payment providers to build additional financial services around the transaction data they already hold. For professional services firms, payment history can provide an alternative source of information when assessing access to working capital. Alongside 8am Capital, the company has expanded Smart Spend Intelligence within LawPay to help firms identify expenses that should be recovered from clients.

When a transaction is categorised, the tool can now suggest the most likely case based on recent activity. A new dashboard also gives firms a month-to-date and year-to-date view of spending linked to individual cases, helping them identify costs that may otherwise go unrecovered.

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